Should I get earthquake insurance for my home in Sacramento, California?
Mar 09, 2010
in
Earthquake Questions
No quakes in the 30 years I’ve lived here, but it only takes one. . .
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6 comments
Jr arrived on time!!! 12-9-09 on March 9, 2010 at 6:16 pm
Yea…. If you have a mortgage, I think it’s required, isn’t it?
Chaos_Mngr on March 9, 2010 at 6:16 pm
I would suggest that you do, even a minor earthquake can do serious damage to a home. If you think is too expensive for you, keep in mind that if something happens to house due to an earthquake and you have to demolish/rebuild due to structural (or foundation) damage…it wouldn’t be covered in your current home policy.
Doctor Deth on March 9, 2010 at 6:16 pm
the whole state is going to sink into the ocean after the "Big One" so it won’t really matter
uskhan on March 9, 2010 at 6:16 pm
I have seen some mention about distance to earthquake faults and although it is true that earthqaukes occur where there are fault traces, it is not true that if you are not close to fault you are not at risk for sesmic related damage to your home. Just ask folks in the Marina District who live nearly 70 miles from the epicenter of the Lome Prieta Earthquake on the San Andreas Fault. Yes, generally seismic risk does decrease the further you move from faults, but evaulating the stability of the soil and the structural integrity is nearly as important
mbrcatz on March 9, 2010 at 6:16 pm
Depends on how much of your current and future resources are tied up in your home!!
RammsteinGirl on March 9, 2010 at 6:16 pm
if you can afford it, yes. even minor ones can cause foundation problems, and you dont want to pay for that!