A standard policy can be limited and many consumer believe the myths that home owners insurance will cover everything. Maintenance of your home is key to avoiding costly problems down the road
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In lieu of the recent earthquake in California, residents living in areas prone to earthquakes should consider purchasing an earthquake insurance policy to better their home and family.
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This includes adequate supplies to survive the first few days and consider how best to secure their biggest asset—their home—from devastating loss either through retrofitting or purchasing earthquake insurance.
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Some people mistakenly believe a standard homeowner’s policy will cover earthquake damage. But Michael Barry, spokesman for the Insurance Information Institute, says a standard policy will only cover some damages in the aftermath of a quake, such as from a fire. A special rider, or endorsement, is needed to collect on damages from the quake itself.
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California may be known for its earthquakes but they can actually happen all over the U.S. A 5.8 magnitude quake hit Virginia in August, 2011. Lesser tremors happen periodically in many other parts of the country. Wherever they strike, homeowners could be unaware that their regular homeowner’s or business insurance policy does not cover such events, according to the Insurance Information Institute. Coverage is usually available for earthquake damage in the form of a supplemental…
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The earthquake and subsequent tsunami that struck northern Japan on March 11 resulted in close to 12,000 confirmed dead, another 15,472 still missing and a total economic loss estimated at a staggering $300 billion by risk modeling agency RMS, only a fraction of which will be paid by private insurers.
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LOS ANGELES, Calif. — Thousands of residents from Los Angeles
When you’re young, long-term care insurance is not something
