When you're considering purchasing homeowner’s insurance, it’s important that you don’t assume that everything will be covered. For example, if you want to protect your home and belongings against earthquake damage, you’ll need to purchase earthquake protection coverage.
You may not think that earthquake protection for homes is something you need to be concerned about. After all, how often do earthquakes occur, and do they really cause that much damage when they do? The thing is, earthquakes have occurred in 39 states and have caused damage in all 50 states. That’s probably a lot more than you may have thought.
An earthquake can cause a serious amount of damage as well, and it doesn’t just have to damage the structure of your home.
When smaller earthquakes occur, your home can withstand the damage, but the things within your home will likely fall over due to the vibrations in the ground. This can include items such as bookshelves, picture frames, mirrors, TV sets, and more. If you purchase coverage for earthquake protection, then your insurer will cover the costs of replacing items such as these that were damaged or destroyed during an earthquake.
Whether you’re a homeowner or you are renting, you should also take steps to prevent earthquake damage, such as anchoring large appliances and attaching bookcases to the walls.
For more helpful information on purchasing earthquake protection for homes, as well as information and advice concerning your homeowner’s insurance, please contact us at Connelly Campion Wright Insurance today.
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