What Earthquake Home Insurance Covers And Doesn’t Cover

​It can be hard to keep track of all the things covered and not covered by your home insurance. You want to make sure that when disaster strikes, you're protected from financial fallout.

It's important to know what's in or out of scope with your policy so that you can rest easy knowing your insurance provider will take care of everything if an emergency happens. This way, you'll have peace of mind knowing that no matter what happens, your home insurance provider has got your back.

What It Covers 
Coverage for Your Residence 
Earthquake insurance is something that many homeowners in earthquake-prone areas purchase to protect their houses against the damage an earthquake can cause. The thing with earthquakes, though, is that they're unpredictable.

Most people who live in these areas know about the risk of being hit by one but never think it will happen to them. When you get a quote for your home coverage, there are some things you need to know about what's covered and what isn't.

Coverage for Your Belongings 
The earth shifts and the next thing you know, your house is a pile of rubble. That's what can happen when an earthquake strikes! During an earthquake, you normally have no time to gather your belongings and save them from being destroyed. 

Such a situation is why you need to purchase earthquake home insurance that covers belongings damages. Make sure this insurance, though, has an affordable monthly premium fee. 

Living Expenses Coverage 
It is important to understand that this type of insurance covers you in two ways: if your home becomes uninhabitable because it has been damaged or destroyed, and if you need to relocate for work.

If your home is no longer livable due to damage from an earthquake, then the insurer will pay up to 75% of the total covered living expenses incurred during the period when you are not able to live in your house.

What It Doesn’t Cover 
Fire and Flood 
Fire and flood are completely different calamities. Therefore, earthquake homeowner insurance doesn’t cover it. 

Vehicles 
Vehicles are parked outside the indoor premises of your home. So, damages for your cars are not included in the earthquake homeowner insurance coverage. 

Conclusion 
Earthquakes are a common occurrence in many places around the world. If you live in an area prone to earthquakes, it’s important to know what your home insurance policy will cover and what it won’t. 

At Family Auto Insurance Agency, we aim to provide comprehensive insurance policies that make your life easier. We want to help you get the insurance that fits your needs. You can get more information about our products and services by calling our agency at (313) 285-9042. Get your free quote today by CLICKING HERE.