Even in the Golden State, where earthquakes occur frequently, earthquake insurance doesn’t come with homeowners insurance or business property coverage. Instead, property owners need to take out an earthquake insurance policy in order to protect against loss due to earthquake as well as certain landslides, mudslides and settlement issues.

Preparing for an Earthquake

At Kessler Alair Insurance Services, we are in the business of helping customers prepare for disaster. Naturally, you need to first have an effective, affordable insurance policy in place. While you can do certain things to minimize risk and damages, nothing can replace the protection of effective earthquake insurance. Next, make sure your home or business is prepared in the event of an earthquake.

1. Do an annual inspection of your home or office to make sure water heater, appliances and other fixtures are properly secured.
2. Make sure bookcases, armoires and other large pieces of furniture are securely anchored to the wall.
3. Create and practice an emergency evacuation plan with your family or employees.
4. For family members, designate an individual who does not live with you as a point of contact and communication in case of separation during an emergency.
5. Keep flashlights, fresh batteries, candles, matches and other emergency supplies in a safe, accessible location in case of a power outage.
6. Make sure those living in your home or working in your office building know how to safely turn off utilities such as gas, water and electricity.

Earthquake Policy Importance

According to the U.S. Geological Survey, Southern California has a 70-percent likelihood of at least one damaging earthquake registering 6.7 or higher on the Richter Scale in the next 30 years. Earthquakes of only 2.5 magnitude can cause property damage ,and these smaller quakes occur frequently. Don’t wait until disaster strikes. Get your free online earthquake insurance quote from Kessler Alair Insurance Services today. We look forward to helping you protect the things that matter most.

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