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We provide a full range of coverages for your personal insurance needs. From the first time buyer, to high valued homeowner, automobiles, and umbrellas. We will review, quote, and secure coverages for your needs.

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From the initial startup company to the publicly traded corporation, we will review, quote, and secure coverage for your business. We have found that transferring risk to an insurance company is often the most efficient way to protect your corporate assets and human resources.

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Protect the ones you love the most with the proper coverage for your needs. Everyone’s needs are unique and finding secure coverage can be stressful. Whether you want to cover your family, yourself or the people who help your business going, we’ll find the right plan for you.

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EarthquakeAre you at risk for earthquakes? Most people in the United States do not think twice about earthquakes on a day-to-day basis, but the threat is real for many of them. Earthquake insurance is one of the tools you have for minimizing some of these risks. Do you have the coverage you need to minimize costs related to this type of damage and destruction? If you think your home insurance is enough to protect you or that your commercial property insurance plan is good enough, think again. Here are a few things you should know about earthquake insurance.

#1: You are Likely at Risk

According to the United States Geological Survey,  the United States has 20,000 earthquakes each year. Forty-two states are at a risk for experiencing earthquakes. Most of these earthquakes, of course, are small and not noticeable. However, all of them should be considered risks.

#2: Earthquakes Create Significant Financial Loss

In any of those 42 states, there is the potential for a much larger earthquake to occur. If that were to happen, you may face significant financial loss as a result. In 2014, $313 million worth of damage occurred around the world related to earthquakes.

#3: Most Home Insurance Plans Exclude Earthquakes

Even if you do not live in a high-risk area, you likely do not have insurance coverage for earthquakes. Take a look at your current property insurance policy; you may notice there is an exclusion for this type of loss. That is not something to ignore, especially given the high-risk many people are in.

#4: Most People are Uninsured

According to the Insurance Information Institute, only about 10 percent of homeowners in the United States have earthquake insurance overall. More people in the west, especially in California, have this coverage because the risks are higher.

#5: It Does Not Have to Be Expensive

It is a common misconception that earthquake insurance is too expensive. It does not have to be. In fact, for most people, it is an inexpensive way to safeguard your home and your valuables from this risk.

Even if you do not live in an area of high risk, earthquake insurance can be valuable. Talk to your agent and take a look at how affordable these policies can be. Do you have the right coverage? Call Sweet & Baker Insurance Brokers at (415) 512-2100 for information on San Francisco insurance.

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44 Second Street
San Francisco, CA 94105 - 3440
Phone: (415) 512-2100
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