earthquake insurance

[UCGal]

We had it for the first few years of owning our current house – it was $127/year. We dropped it after my husband (architect) went through and did a “seismic retrofit”. He basically improved the diagonal bracing, stiffened certain walls so they’d act as sheer walls, and added additional bolts and strapping from the sill to the foundation. He said we’ll withstand a decent earthquake now… and if it’s bigger than what the house will take, we have different problems.

Depending on where you are in San Diego – you *could* have a major fault near you. We’re close to the rose canyon fault… so it was a concern for us.

The work my husband did is overkill – but the standards are so much more rigorous now, compared to when the house was built in 63 or 64.

If your house was built in the past decade or so – you probably don’t need any retrofit.

[bearishgurl]

I have an older home and, after the “shakers” happened this year (originating from the Tecate area), I broke down and got it. It’s about $187 yr. for a $50K deductible policy. In the case of a total loss, this will still allow me to rebuild without anything out of pocket, as I don’t really need all the square footage I currently have.

[bearishgurl]

I have an older home and, after the “shakers” happened this year (originating from the Tecate area), I broke down and got it. It’s about $187 yr. for a $50K deductible policy. In the case of a total loss, this will still allow me to rebuild without anything out of pocket, as I don’t really need all the square footage I currently have.

[bearishgurl]

I have an older home and, after the “shakers” happened this year (originating from the Tecate area), I broke down and got it. It’s about $187 yr. for a $50K deductible policy. In the case of a total loss, this will still allow me to rebuild without anything out of pocket, as I don’t really need all the square footage I currently have.

[bearishgurl]

I have an older home and, after the “shakers” happened this year (originating from the Tecate area), I broke down and got it. It’s about $187 yr. for a $50K deductible policy. In the case of a total loss, this will still allow me to rebuild without anything out of pocket, as I don’t really need all the square footage I currently have.

[bearishgurl]

I have an older home and, after the “shakers” happened this year (originating from the Tecate area), I broke down and got it. It’s about $187 yr. for a $50K deductible policy. In the case of a total loss, this will still allow me to rebuild without anything out of pocket, as I don’t really need all the square footage I currently have.

[sdgrrl]

Earthquake insurance is a complete separate policy from your Homeowner’s. Most have a 20% deductible based on the damages. If 100k is damaged you are responsible for 20k. On a side note there are no policies for for what is deemed “movable/unstable” earth. After the Socal landslides insurers rewrote policies to exclude this. Also after the LA riots, insurers rewrote policies excluding “insurrection, anarchy” and whatever else could pertain to a loss in times of civil unrest.

Many people in SD do not have earthquake insurance. Some people buy it off and through out the year as a kind of russian roulette.

[sdgrrl]

Earthquake insurance is a complete separate policy from your Homeowner’s. Most have a 20% deductible based on the damages. If 100k is damaged you are responsible for 20k. On a side note there are no policies for for what is deemed “movable/unstable” earth. After the Socal landslides insurers rewrote policies to exclude this. Also after the LA riots, insurers rewrote policies excluding “insurrection, anarchy” and whatever else could pertain to a loss in times of civil unrest.

Many people in SD do not have earthquake insurance. Some people buy it off and through out the year as a kind of russian roulette.

[sdgrrl]

Earthquake insurance is a complete separate policy from your Homeowner’s. Most have a 20% deductible based on the damages. If 100k is damaged you are responsible for 20k. On a side note there are no policies for for what is deemed “movable/unstable” earth. After the Socal landslides insurers rewrote policies to exclude this. Also after the LA riots, insurers rewrote policies excluding “insurrection, anarchy” and whatever else could pertain to a loss in times of civil unrest.

Many people in SD do not have earthquake insurance. Some people buy it off and through out the year as a kind of russian roulette.

[sdgrrl]

Earthquake insurance is a complete separate policy from your Homeowner’s. Most have a 20% deductible based on the damages. If 100k is damaged you are responsible for 20k. On a side note there are no policies for for what is deemed “movable/unstable” earth. After the Socal landslides insurers rewrote policies to exclude this. Also after the LA riots, insurers rewrote policies excluding “insurrection, anarchy” and whatever else could pertain to a loss in times of civil unrest.

Many people in SD do not have earthquake insurance. Some people buy it off and through out the year as a kind of russian roulette.

[sdgrrl]

Earthquake insurance is a complete separate policy from your Homeowner’s. Most have a 20% deductible based on the damages. If 100k is damaged you are responsible for 20k. On a side note there are no policies for for what is deemed “movable/unstable” earth. After the Socal landslides insurers rewrote policies to exclude this. Also after the LA riots, insurers rewrote policies excluding “insurrection, anarchy” and whatever else could pertain to a loss in times of civil unrest.

Many people in SD do not have earthquake insurance. Some people buy it off and through out the year as a kind of russian roulette.

[sdgrrl]

Call a reputable insurer- State Farm, Farmers etc and ask them w/o being sold on it. Ask your questions about specifics and don’t let up if you are curious about equity and so forth.

[sdgrrl]

Call a reputable insurer- State Farm, Farmers etc and ask them w/o being sold on it. Ask your questions about specifics and don’t let up if you are curious about equity and so forth.

[sdgrrl]

Call a reputable insurer- State Farm, Farmers etc and ask them w/o being sold on it. Ask your questions about specifics and don’t let up if you are curious about equity and so forth.

[sdgrrl]

Call a reputable insurer- State Farm, Farmers etc and ask them w/o being sold on it. Ask your questions about specifics and don’t let up if you are curious about equity and so forth.

[Author]

Posts