Many Los Angeles insurance companies offer earthquake insurance because Southern California is a notorious hotspot for seismic activity. No one can predict exactly when or where an earthquake will strike, but if one should occur, earthquake insurance for your home or rental property can help get you back on solid ground.
Earthquake insurance is usually designed to compensate you for any damage an earthquake may do to your home’s structural integrity, including its foundation, floors and walls. Your furniture and personal belongings can also be claimed if they are damaged or destroyed. Remember that earthquakes can also cause fires and flooding. If your home or property is deemed uninhabitable following an earthquake, your insurance provider can work to provide you with alternative housing accommodations until your home is repaired, which may take several days, weeks or even months.
California residents may be surprised to learn that earthquake coverage is not typically included in a standard homeowners insurance policy. If you don’t already have earthquake insurance, or you’re interested in updating your current policy, you may want to contact some Los Angeles insurance companies to request a quote. Earthquakes are unpredictable and often catastrophic events, but that doesn’t mean you can’t be well prepared. Don’t wait until it’s too late to protect yourself and your property.