Earthquakes are not uncommon in California and they’re only becoming more common. These earthquakes come with a lot of risks, including structure damage, asset loss, personal injury, and massive leaks. These and other risks can translate into significant costs, and for this reason it’s important that people have protection. Insurance provides necessary protection and at Riskguard Insurance Solutions, Inc. we have a comprehensive earthquake insurance program. Through this program we write solutions that are tailored to individual clients, and we’ll write a solution that’s tailored to you.
Earthquake Insurance Coverage Details
Recent fault-line discoveries have made Californians aware that earthquakes will become more frequent in the near future. These earthquakes will also become stronger, and this increases the likelihood that damages will be sustained. This is one reason why Californians need earthquake insurance. This type of insurance protects structures and belongings and it protects against injuries. It’s sometimes purchased in a standalone policy and it's sometimes purchased as part of a homeowners insurance and earthquake insurance combination.
Earthquake insurance rates depend on a number of factors, including the level of earthquake risk one faces in the area in which he or she lives. To find out what level of earthquake risk you face, use the California Earthquake Authority’s quakes and faults tool.
Your deductible for earthquake insurance may be high, but this is beneficial in that if you suffer a total-home loss, you will be covered and your home will be replaced or reconstructed without large financial losses coming to you.
What you can expect
If an earthquake occurs you’ll need coverage that keeps you from suffering unnecessary financial losses and you'll need an agent who supports you throughout the process of contending with the earthquake. At Riskguard Insurance we work closely with you to create the best possible solution and once this solution is in place we monitor it regularly. We keep you informed and we actively manage risk. Risk management helps you avoid suffering losses and it helps you avoid having to use your insurance.
We’re reachable at almost any time, so if you need to get a hold of us, you can.
Riskguard Insurance Solutions is proud to provide earthquake insurance in San Francisco, Los Angeles, San Jose, Sacramento, San Diego, and Stockton, CA. We also serve other areas in the state and we serve Oregon, Nevada, Arizona, and Texas.