Everybody needs to learn the importance of having an emergency plan for you and your family in the event of an earthquake. An important part of that plan has a good emergency kit. What makes the perfect emergency kit? As a homeowner, you should always make a point of equipping your household with one of these crucial implement because you can never tell when disaster will strike. Surviving earthquake damage will to a great extent be tied to this simple yet vital home disaster kit.
The good news is that finding cheap homeowner's insurance that includes earth tremor coverage when you live in a high-risk area may be difficult, but it's certainly not impossible. There are steps you can take to protect your home and your family from the threat of earth tremor damage (a process known as loss mitigation in the wide, wonderful world of homeowner's insurance) while dramatically lowering your insurance premiums.
So, how can you get earth tremor insurance? You can usually add additional coverage to your current homeowner's insurance policy; this should be seriously considered by those that live in areas that are highly susceptible to earth tremors such as California. This additional coverage can include a plethora of factors, such as the repair and replacement of your earth tremor-damaged property; the repair and replacement of the contents of your earth tremor-damaged home; and even the cost of temporary living expenses in the event that your home is completely destroyed due to an earth tremor.
Additional insurance can also cover buildings adjacent to your home, such as a garage. Your premium for adding additional insurance for earth tremors will depend on several factors. Older homes, homes made of brick, and homes located in earth tremor-prone areas will generally have higher premiums than newer homes, homes made of wood, and homes not located in earth tremor-prone areas. When choosing additional insurance for earth tremors, you should choose to purchase enough coverage to pay for completely rebuilding your home and replacing or repairing your damages. This way, you'll rest assured that you, your home, and your possessions are completely covered, no matter what.
If your reply to either of those questions is no, then you have a serious problem that needs to be evaluated. Not bolting your house to its foundation can lead to serious structural destruction to your home. Not understanding the benefits of retrofitting your chimney is another mistake. Don't be stuck in the elements because your chimney took a section of your roof with it on the way down.
Secure your water heaters. If you've never seen what can happen to a water heater if it is knocked over during an earthquake, there are only two words to describe it-crackle and whoosh. Water heaters are responsible for large quantities of fire and flood damage to homes during and after an earthquake.
How to Protect your Assets and Investments? If you own your home, it is probably your biggest financial asset. You have worked hard to secure your piece of the American Dream to become a homeowner. Your assets and investments made in personal belongings may be at risk when an earth tremor strikes as your home will probably have some level of damage.
If you are open to spending just a little extra time and effort to protect your home from crumbling around your ears when Mother Nature decides she wants to dance, however, it won't be long before you see your insurance premiums dropping like a stone.
The good news is that finding cheap homeowner's insurance that includes earth tremor coverage when you live in a high-risk area may be difficult, but it's certainly not impossible. There are steps you can take to protect your home and your family from the threat of earth tremor damage (a process known as loss mitigation in the wide, wonderful world of homeowner's insurance) while dramatically lowering your insurance premiums.
So, how can you get earth tremor insurance? You can usually add additional coverage to your current homeowner's insurance policy; this should be seriously considered by those that live in areas that are highly susceptible to earth tremors such as California. This additional coverage can include a plethora of factors, such as the repair and replacement of your earth tremor-damaged property; the repair and replacement of the contents of your earth tremor-damaged home; and even the cost of temporary living expenses in the event that your home is completely destroyed due to an earth tremor.
Additional insurance can also cover buildings adjacent to your home, such as a garage. Your premium for adding additional insurance for earth tremors will depend on several factors. Older homes, homes made of brick, and homes located in earth tremor-prone areas will generally have higher premiums than newer homes, homes made of wood, and homes not located in earth tremor-prone areas. When choosing additional insurance for earth tremors, you should choose to purchase enough coverage to pay for completely rebuilding your home and replacing or repairing your damages. This way, you'll rest assured that you, your home, and your possessions are completely covered, no matter what.
If your reply to either of those questions is no, then you have a serious problem that needs to be evaluated. Not bolting your house to its foundation can lead to serious structural destruction to your home. Not understanding the benefits of retrofitting your chimney is another mistake. Don't be stuck in the elements because your chimney took a section of your roof with it on the way down.
Secure your water heaters. If you've never seen what can happen to a water heater if it is knocked over during an earthquake, there are only two words to describe it-crackle and whoosh. Water heaters are responsible for large quantities of fire and flood damage to homes during and after an earthquake.
How to Protect your Assets and Investments? If you own your home, it is probably your biggest financial asset. You have worked hard to secure your piece of the American Dream to become a homeowner. Your assets and investments made in personal belongings may be at risk when an earth tremor strikes as your home will probably have some level of damage.
If you are open to spending just a little extra time and effort to protect your home from crumbling around your ears when Mother Nature decides she wants to dance, however, it won't be long before you see your insurance premiums dropping like a stone.
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