Earthquake Insurance = Earthquake Preparedness
You Live on Shaky Ground. Learn How to Prepare for an Earthquake.
Earthquakes are not just limited to the West Coast. Earthquakes can happen in just about any state in the United States. However, if you live in an area more likely to have an earthquake, make sure to talk to us about whether you are covered, or if you should purchase separate earthquake insurance coverage.
Before an Earthquake
Know If You Are Covered for an Earthquake Ask your Agent about your options and to discuss home improvements that can make your home eligible for an earthquake insurance endorsement or policy.
Know What Your Insurance Covers and How Much You Need
- Deductibles and the amount of coverage for earthquake damage vary by state.
- Your policy may not cover the entire cost of rebuilding.
- Exterior buildings, decks and landscaping are generally not covered.
How to Reduce Earthquake Damage To reduce damage inside, think heads up. Look at your ceiling and walls to see what might fall.
- Anchor bookcases and filing cabinets to walls.
- Secure ceiling lights, suspended ceilings and other hanging items to the building structure.
- Anchor water heaters and large appliances to walls using safety cables or straps, and lock the rollers of all appliances and furniture.
- Fit all gas appliances with flexible connections and breakaway gas shut-off devices or install a main gas shut-off device.
- Consider working with a registered design professional or licensed building contractor to reduce potential damage to the structure of your home or business.
- Add anchor bolts or steel plates between your home’s structure and foundation.
- Brace the inside of your home’s cripple wall with sheathing.
- Brace unreinforced chimneys, masonry, concrete walls and foundations.
During an Earthquake
Protect Yourself When the Ground Starts to Shake
- If you’re indoors, stay there.
- Move away from windows, skylights, doors and things that could fall.
- Duck, cover and hold until the shaking stops.
- Move quickly into the open, away from electrical lines, trees and buildings.
- Drop to the ground and wait for the shaking to stop.
- Slowly bring your vehicle to a stop at the side of the road.
- Don’t stop on or under bridges, under power lines or near roadway signs.
- After the shaking has stopped, continue driving but watch out for damage to the road.
After an Earthquake
Earthquake Damage? If you have experienced damage from an earthquake, report it as soon as possible. We’re here to help.