Earthquake Insurance, such as with all insurance is subject to exclusions. Not all California policies are the exact same, but they tend to fall along some common lines. Earthquake Insurance is subject to all sorts of exclusions including, but not limited to the following: War, Nuclear. and Pollution Fire and Explosion Ordinance and Law /…Read More
In the United States Earthquake Insurance is a form of Property Insurance that covers the policyowner from damage caused by earthquakes, including shaking, subject to the limits, deductibles, and exclusions found in the policy. It is important to note that all policies are different and numerous exclusions will apply. Differences may exist between Personal and…Read More
In the great state of California – A fire started by an Earthquake is covered by a personal homeowners insurance policy. You do NOT need to have earthquake insurance to be covered from the peril of fire caused by an Earthquake. However you DO need Earthquake Insurance to be protected from other damage (such as…Read More
Typical HO3 and HO5 Homeowners Insurance policies do not provide coverage for any earth movement. Insurance policies are all different, but a common ISO HO3 policy (HO 00 03 10 00) excludes coverage for “Earth Movement.” In addition most homeowners insurance policies now a days do not cover a homeowner from the peril earth movement,…Read More
On July 4th and 5th of 2019, a series of earthquakes hit the California Ridgecrest area, according to the USGS. A series of signficant foreshocks and aftershocks hit over the two day period. Additionally minor aftershocks were felt for weeks. Minor damage was reported. A few small fires were reported due to this sizeable shake.…Read More