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If you live in a quake zone, where the risk is high, preparedness is key to protecting your family and your home. Californians should know this. Some of the state’s most populated areas lie in a very active quake zone, and the entire state faces a relatively high risk for quakes.

Quake preparedness encompasses many different tasks. Two of these are emergency kits and proper earthquake insurance. Beginning with these two items, you can start to build a foundation of preparedness in case the worst happens.

Getting Earthquake Insurance

State insurance laws do not require your homeowners insurance to cover you for earthquake damages. However homeowners insurance does have to cover you if a fire damages the home as a result of an earthquake.

Nonetheless, if you buy a homeowners insurance policy in California, your insurance agent has to offer you a separate earthquake insurance policy. They also have to remind you about this coverage periodically, in case you decide to buy coverage.

Insuring a home with earthquake insurance is a valuable asset to help you protect your finances. If an earthquake strikes, you often can do very little to prevent damages. And earthquake damages can become very severe if the quake is big enough. Earthquake insurance can help you clean up, repair the home, and replace certain lost property. Your insurance agent can help you determine the right coverage levels for your home.

Preparing an Emergency Kit

Because earthquakes strike with very little warning, you often need to prepare well in advance. You might not have time to gather your most vital supplies following a quake. However, fast access to your important emergency materials can help protect your home and your family.

Gathering an emergency kit to store in an accessible part of your home can help you make quick decisions following a quake. These should include:

  • Copies of your insurance policies. Make sure you keep your home, quake, auto, medical/life, and any other policies in this place.
  • Keep a folder of vital family papers. These may include birth certificates, social security cards, marriage licenses, vehicle and home titles, and other information.
  • Assemble a small first aid kit, and also keep a supply of bottled water and non-perishable food in storage. Also keep batteries, a generator and flashlights on hand.
  • Place spare keys like your home keys and car keys, as well as a walkie-talkie in the kit.

Keep all of these items in a reinforced box, preferably one that is fire- and waterproof. Store the box in an accessible place, if possible near the home’s front door. That way, you can easily get it in case you have to flee the home.

We’ve got you covered. Mitchell & Mitchell Insurance Agency, Inc. can help you get San Francisco earthquake insurance that suits your needs. Call us at (888) 512-8878 for more information or to get a quote.

Posted 11:13 AM

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