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Windy beachDid you know your homeowners or renters insurance policy likely doesn’t cover some natural disasters? Specifically, your insurance policies may not cover earthquakes, which can cause a significant amount of damage.

Safeguarding Your Property Against Earthquakes


The US Geological Survey (USGS) records about 20,000 earthquakes each year. Most of these earthquakes are remote or too small for detection devices. However, considering the frequency of earthquakes each year, everyone has the potential to experience an earthquake within the United States.

With earthquakes occurring randomly, insuring your property against earthquakes is the best strategy to overcome these natural disasters. If you consider the fact that the tremors literally shake and break your property, replacement is truly the best option to safeguard your precious belongings. Earthquake insurance can help you protect your property by providing a financial means to replace it.

Key Considerations for Purchasing Earthquake Insurance


The National Association of Insurance Commissioners (NAIC) is a leading authority on insurance policies of all types. NAIC recommends considering the following before purchasing earthquake insurance.

Whether You are in an Earthquake-Prone Area

Although the USGS acknowledges that earthquakes can happen anywhere within the United States, there are certain places that are more likely to have an earthquake than others. For instance, residents of the state of California are more likely to experience an earthquake. Additionally, individuals who live west of the Rockies are more likely to experience an earthquake than others who don’t.

Paying for the Recovery

NAIC also suggests that people consider the cost of recovering from an earthquake. Since home insurance policies will likely not cover repairs or replacement, can you afford to rebuild somewhere else? With earthquake insurance, you don’t have to worry about obliterating your savings to replace your house after an earthquake.

Consider Your Home’s Structure

One of the main factors for determining how much damage you may sustain during an earthquake is your home’s structure. Homes constructed using sturdier materials are safer because these homes can withstand more damage. Conversely, some sturdy materials can lead to significant damage if the circumstances are ripe. NAIC suggests that brick houses, wood homes with crawl spaces, and multi-story homes are at a high risk of damage during an earthquake.

Are you covered? Call Sweet & Baker Insurance Brokers at (415) 512-2100 for more information on San Francisco earthquake insurance.
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Phone: (415) 512-2100
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