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De Caro Insurance

SeismographYou may not live in Napa Valley, but as the weather grows strange and unpredictable, the chances of an earthquake occurring in your local area may be too high to ignore. If an earthquake should ever strike, it could topple your home and shake your finances out of place. In fact, the right coverage is a must, because your home insurance policy won't protect your home from earthquake damage.

Here are some things to consider when choosing the right earthquake insurance policy for your home.

Weigh The Risk

First, assess how prone your area is to earthquakes because that will determine how much or little you have to pay. You can find out your risk levels by using a USGS map. Whether you're in a high risk zone or not, it's critical you get some sort of coverage. However, if you find you're in a high risk zone, expect your earthquake coverage to cost slightly more than average. Ask your independent insurance agent to find out the total costs and deductibles.

Look At The Costs

If the price for earthquake insurance exceeds your budget, many providers are willing to work with homeowners to help reduce the costs. For example, many insurers offer lower premiums depending on the kind of ground your house is built on. Is it sandy soil? Fill or bedrock? The latter is usually more stable the than former two.

Also, you'll reduce your premium depending on the quality and structure of your home and how sturdy it is. A flexible wood frame structure is usually sturdier and withstands shaking better, as opposed to a brick or masonry home that's more likely to collapse and break apart during an earthquake.

Make Your Home Stronger

There are ways to make your house sturdier against earthquakes, such as bolting the building frame to its foundation, repairing any cracks in the walls or foundations, and replacing any weakened woods or boards.

An earthquake insurance plan generally offers mitigation assistance to help reduce the impact of any structural damage that might occur. This extra mitigation support can also reduce overall insurance premiums.

Don't wait around for an earthquake to happen. Contact your agent and find out how you can protect your home today.

Protect your home and family. Call De Caro Insurance at (626) 331-0914 for more information on Covina earthquake insurance.
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PFP INSURANCE AGENCY Formerly De Caro Insurance Agency
410 E San Bernardino Rd | Covina, CA 91723 | 800.595.0914
Local: 626.331.0914 | Fax: 626.966.6931 | License#: 0I78945             
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