Earthquake Insurance

The prevalence of large scale earthquakes in areas like California, Japan and New Zealand have prompted those areas to develop agencies that oversee the management of earthquake related catastrophes.…

The California legislature established the California Earthquake Authority (CEA), which operates primarily on funds received from the sale of earthquake insurance. Traditional property insurance, such…

California is more prone to earthquakes than any other state in the country. Because of this, having earthquake insurance in California offers you a degree of financial protection that could mean the…

If you are going to live in an apartment, it's important to insure your personal belongings with an apartment insurance policy. This policy covers the contents of your dwelling because the…

California Insurance Code Section 10081 requires insurance companies to offer earthquake insurance to homeowners. The law forbids insurers to cancel, refuse or reject policies because the homeowner…

In nearly all cases, standard homeowner's insurance excludes losses from earthquake damage. In California, a state particularly prone to earthquakes, the California Earthquake Authority (CEA) exists…

In the U.S., 39 states have experienced earthquakes since 1900, and 90 percent of the country's population lives in seismically active areas, but most of the at-risk population doesn't have earthquake…

When insurance companies assess the risk for earthquake damage, they compare how well a structure is able to deal with the motion of the ground during the earthquake and the damage that results from…

When you love your home and cherish everything in it, you want to protect it. However, if your home is located on an earthquake fault line, this greatly narrows down your options when it comes to…

Renters earthquake insurance is not a part of a basic policy. An earthquake, designated an unusual "act of God," is only covered if you have an additional rider, or floater policy, that covers this…

If you live in California, a state that has significant seismic acitivity, do not assume that your homeowners insurance will provide coverage for earthquake hazards. If you want earthquake insurance…

If you want to protect your home against earthquakes in the state of California, you must buy a separate earthquake insurance plan. This type of insurance is different from your standard homeowne's…