Most homeowners, renters, and condo insurance policies don't include coverage for damage caused by earthquakes, so it is a good idea to obtain this additional insurance coverage. Even if your area doesn't get earthquakes frequently, earthquakes can still happen just about anywhere from time to time. Damage from earthquakes can often be severe, and you don't want to have to foot the bill for the damages out of your own pocket. While this coverage is optional, it can give you added peace of mind that your home is protected. Here's what you need to know.
In some cases, you may be able to include an add-on for earthquakes with your homeowners', renters', or condo policy. In other cases, this may be a separate coverage type on its own. This will depend on the specific provider you choose for your insurance policies, as each provider classifies earthquake insurance coverage in their own way.
Here at Lang Insurance, we are proud to offer earthquake insurance coverage for our clients, giving you the protection you need when disaster strikes. It is important to note, though, that earthquake insurance typically only covers damage to the structure of your home. Damage to any personal items will usually fall under your standard homeowners' or other insurance policy.
We will be happy to discuss your earthquake insurance coverage options with you in greater detail. We'll review your existing policies and let you know where you need to augment your coverage to protect against earthquake damage. Our earthquake insurance specialists will work closely with you to determine the amount of coverage that makes the most sense for your needs and budget, as well as the likelihood and severity of earthquakes in your area.
In high activity areas like California, for example, your coverage needs will be much greater than in areas where earthquakes are rare, like in the Midwest. Reach out to our team today to learn more about this important coverage and determine whether it is right for you. You can call us at 636-229-7000 or request a free price quote using our convenient online tool. Get in touch today to get started.