Are We Crazy! – Is Earthquake Insurance Really Needed?

Structural DamageMany Sonoma homeowners go without earthquake insurance.  Often people mistakenly think that earthquakes are covered under their homeowner’s policy.  Other people figure the odds are low, and that nothing will happen.  Let us correct you; unless you have added earthquake coverage, it is excluded from your homeowner’s policy.  Some mortgage companies may even require earthquake coverage, depending where you are located.

North Bay Earthquake Insurance

Earthquake insurance covers damage to your home and your possessions. Most earthquake policies also cover costs incurred to minimize further damage after an earthquake, plus costs for additional living expenses.  Deductibles are generally 10-15% of the insured amount. Exterior structures such as pools, irrigation systems, driveways, and detached garages are generally not covered.

We recommend you consider earthquake coverage.  We can help you analyze the cost benefits.  Insurance is all about understanding risks, and many homeowners are at risk for earthquake losses.

As a locally owned and operated insurance agency in Sonoma, California, North Bay Insurance Brokers is committed to providing quality insurance products for individuals and businesses. We combine our strong insurance background and product knowledge to assist both current and future clients in managing and planning for all types of risk.

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