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Miscellaneous Insurance Coverages

Earthquake Insurance

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10/11

Earthquake covers against the risks of earthquake. Generally, earthquake policies only cover the dwelling, and not the contents or out-buildings, although contents can be covered.

If you have a mortgage, and if you are in an area where either risk is real, this coverage can be particularly important even if your lending organization doesn't require it. In the event of a loss, you may still owe the debt and have no asset -- in fact you may even be liable for removing the debris.

If the premium you're quoted is too high for you, consider asking for the price with a higher deductible.

If you're not sure if you live near a major fault, call your state's department of geology or look at the National Earthquake Information Center's Website at http://earthquake.usqs.gov offsite link





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