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1. Is loss from an earthquake covered under my homeowner's insurance?No, homeowners' insurance only covers loss from fire, wind, hail, snow, theft and vandalism. A separate earthquake insurance policy would be recommended to be purchased
2. Will my earthquake insurance pay for any expense if I have to move out of my home?Yes, if your earthquake insurance includes loss of use coverage then you will be eligible for the additional living expense necessary to maintain your normal standard of living up to the coverage limit on your policy.
3. How much does earthquake insurance policy cost?The cost of your policy depends on many factors such as the earthquake risk of where you live and the deductible you choose. If your home is located on a fault line, then your earthquake insurance premium will be calculated higher.
4. What if I can't afford earthquake policy deductible?You do not have to pay your deductible out of pocket up front to receive payment on a claim. The deductible is subtracted from your covered damage.