A normal day can turn into anything but in a mere instant.
One minute you’re watching a favorite television program, the next you feel like you’re in a blender. Only the blender is your entire home!
Decisions you make after you come to this realization have a huge impact on restoring order or adding to chaos in your family.
The U.S. Geological Survey lists California, Washington, and Oregon as part of a handful of states that have a “relatively high risk” for major damage from earthquakes. Even if you’re not in one of these states, earthquake insurance should factor into your natural disaster preparedness.
We’ve put together a guide with solid evidence to restore your confidence in facing tomorrow.
Let’s get started!
Earthquake Insurance Ties Into the Great Shakeout
On October 15th, a global audience will join in the annual Great California Shakeout. Whether you’re an individual, school, or business we encourage you to learn more about how to participate.
Make sure you have an emergency supply kit that is easily accessible. You can build one, or there are plenty of options available for purchase online. They will contain such things as: maps, medical supplies, flashlights, water, and more.
There are steps you should take before an earthquake.
They center around:
- Evacuation Safety
- Home Safety
In both cases, practicing once a year with any additional family members will give you the best chance for instincts to kick in and replace any feelings of panic that may exist.
During an earthquake:
- Drop, cover, and hold on
- Move away from windows
- Avoid doorways
After an earthquake:
- Be aware of the reality of aftershocks
- Check and treat yourself and others for injuries
- Put out any small fires
- Evacuate the structure if damage is extensive
Reasons You Need Earthquake Insurance
Is Earthquake Insurance Worth Getting?
The West Coast of the United States is part of the Ring of Fire, which is the epicenter for 90% of all earthquakes. Following the devastating Northridge earthquake in California, the state government formed the California Earthquake Authority (CEA) and made it mandatory for insurance providers to offer insurance for this seismic event.
Ready for some good news?
The rates in the Golden State are lower than other states due to their practice of earthquake-proofing new dwellings and equipping older ones to withstand this serious land shift. Who knows, you may even qualify for an earthquake insurance discount if your home meets certain requirements. Visit the CEA website to see if you qualify.
Does Homeowners Insurance Cover Earthquakes?
Although it’s not true in every case, the majority of homeowners policies don’t include earthquake insurance. Unsure of whether or not you’re covered by your current provider? A quick call or visit to their online customer portal should answer the question for you.
If you do need to talk with a quality provider who can offer you this extra coverage, it’s important to ask good questions so you’re fully prepared for what your specialty insurance will include. That way there’s no surprises in the event you need to use the coverage after a seismic shaking.
Earthquake Insurance and RVInsurances.Com
As we’ve shown, it’s very wise to acquire California earthquake insurance. Cost shouldn’t be a barrier preventing you from considering a plan that will allow you to sleep peacefully knowing you’re protected. We partner with one of the best in the industry to open the door to families of varied budgets.
RVInsurances.com founder, Marty Adair, has been a licensed Property and Casualty Broker since 1997. He started his insurance career working in his family’s insurance business where they specialize in Mexico tourist Auto Insurance. While assisting customers with their Mexico Insurance policies he realized there were large groups that travel to Mexico in their high valued RVs to vacation. It soon became apparent that there was a need for specialty RV insurance that would extend coverage across the US and Mexico border that could save his RV clients thousands of dollars per year.
Today RVInsurances.com provides the best possible service to the RVING community. We are a full-service insurance agency specializing in full-time and part-time RV enthusiasts. We represent the top-rated RV specialty insurance companies in the nation to provide the best possible policy for the right price. We are licensed in many states to help with your RV insurance needs.
Whether you’re ready to buy earthquake insurance or just want to discuss it more as a possible option, give us a call at 1-844-727-7207.
We look forward to speaking to you!