Earthquakes are natural disasters that come whenever they please, and there isn’t anything we can do to stop them.
Earthquakes are caused by a shift in the tectonic plates that cover the entire surface of the Earth. When they bump into each other, the energy associated is so mind-blowingly huge that the earth shakes—this is known as seismic energy. The worst part about earthquakes is that no one can know exactly when they are going to happen; their lack of warning is what makes them so dangerous. Everyone is going about their normal day when […]
Learn the basics of an earthquake insurance policy that can give you the peace of mind that you deserve.
Earthquake insurance covers most of the losses and damages that earthquakes may cause to your home, possessions, and other buildings on your property (e.g. a detached shed). If you own a home, then you most likely already have a homeowners insurance policy, but this policy will not cover any damage that is generated by the force of an earthquake. What will protect you and your home is a quality earthquake insurance policy that meets your needs.
To get the most out of your homeowners insurance policy, you must choose the right deductible.
A deductible is the amount of money a policyholder needs to pay toward damages or a loss before the insurance company comes in and covers for the rest of the expenses. This deductible doesn’t go to the insurance company like a premium or monthly bill does. Rather, they just subtract your deductible from the claim that was filed. For example, if you have a $2,000 deductible and your claim is for $15,000, then your insurance company will send out […]
Did you know that your comprehensive coverage insures you for these strange situations?
Comprehensive coverage is a kind of policy that covers you in the case of a non-collision related incident. Things like rocks hitting your windshield, or a tree branch falling on top of your car. Comprehensive coverage is important to have because you never know what objects are going to find themselves on the same course as your vehicle. There are, however, things that you wouldn’t expect your comprehensive policy to cover. Here are two strange occurrences that are covered by most comprehensive coverage […]