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Traditional homeowner policy does not include the coverage for earthquake. Earthquake insurance includes the expenses that come with a repair or replacement of damaged property. If you are in an earthquake prone area, then this policy is included in the current policy.
Insurance coverage includes the protection of garages or accessory structures, personal contents within your home and temporary living expenses if your home is destroyed in the earthquake. Factors affecting the premium are older homes tend to cause a jump in premium.
Homes constructed of wood are better able to withstand the forces of an earthquake, and therefore you'll experience a lower premium. The location of the home is a higher probability will point to a higher premium.
posted by renaa
@ 8:08 PM
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