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Personal Insurance

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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Commercial Insurance

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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Health & Life Insurance

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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EarthquakeIf an earthquake strikes your area, the effects can be widespread and unpredictable. Earthquakes rarely strike with reliable notice. Therefore, those who live in earthquake-prone areas might face losses to their property.

Insurance coverage may come in handy when an earthquake threatens. However, a standard property insurance policy usually doesn’t cover earthquake damages. Most property owners need to buy earthquake insurance to cover related damages.

Earthquake Insurance

Earthquake insurance usually comes separate from a standard property policy. If you live in a high-risk quake zone, you might have to buy a separate earthquake policy or add a rider to your property insurance.

Like property insurance, policies will usually cover property damage caused by earthquakes. They also will usually cover certain expenses while you rebuild following an earthquake. Loss of use coverage may help you pay for daily essentials like food and board, while you repair damages.

Post-quake preparation

If you live in a high-risk quake zone, preparation is key to minimizing insurance risks. Even though you may be able to claim loss of use funds, keep in mind that these funds may take time to become active. You might need vital supplies immediately following a quake. Take the time to put a preparedness plan in place.

  • Know what resources are available to you in the event of a quake. Keep emergency services contact information on hand.
  • Keep a supply of emergency essentials on hand. These may include non-perishable food, a supply of water, tools and medical supplies. Store these in a low-risk area of your home.
  • Invest in an emergency generator, batteries, and other artificial power sources. You might need to use this system to restore power to your home following a quake. Only use generators if your home’s electrical and structural integrity are not compromised by the quake.
  • Store your important documents in a safe or other reinforced area. This will reduce the chances of losses. Include insurance policies, photo identification, and important paperwork like bank forms. Make sure you can access quake insurance policies following an event.
  • Have an evacuation plan in place. Make sure your family knows how to shelter in place, and where to gather following a quake.

With the right preparation, you can protect yourself and maximize the benefits of your loss of use policy.

We can help you get an San Francisco earthquake insurance policy that meets your needs. Call us at (415) 512-2100 today.

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NOTICE: This blog and website are made available by the publisher for educational and informational purposes only. It is not be used as a substitute for competent insurance, legal, or tax advice from a licensed professional in your state. By using this blog site you understand that there is no broker client relationship between you and the blog and website publisher.
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