California is a unique state, with everything from beaches to deserts to mountains. Unfortunately, out of all the states in the U.S., California is most prone to earthquakes. Generally, standard home insurance policies do not cover damage done to your home by earthquakes. You may have to purchase a separate earthquake insurance policy.
Your agent may be able to help you obtain an earthquake insurance policy, either through your insurer or through the California Earthquake Authority. Going without earthquake insurance may prove to be a serious risk in California. Government disaster relief programs have limited resources, and most likely will not replace all of your belongings or your home itself.
Your home is probably your biggest financial asset. That is why it is crucial that you secure the right financial protection in the event of an earthquake. If you are moving to California, you may want to research earthquake hazards before choosing a particular area in which to live. It’s a good idea to choose a home that is designed and constructed to resist earthquake motion.
It is important that you do not make the mistake of assuming your standard homeowner’s insurance policy will cover earthquake damage. A separate earthquake policy may provide you with the financial protection you need in the event of such a catastrophe.