No one knows when an earthquake will happen; we know they will. We see the devastation they may wreak on a house and its contents. When your home is being fixed or renovated, you may have to find temporary housing.

Damage caused by earthquakes, floods, or landslides is not often covered by standard homeowner’s, renter’s, or condo insurance policies.

Your damages may be partially covered by earthquake insurance.

Due to the high expense of earthquake insurance, it is optional for all homes to have it. If you reside in an area where earthquake damage is unlikely, you may forego this protection.

Most earthquake insurance plans to aid in the repair or replacement of personal property in addition to the insured structure. If an earthquake damages a home’s contents, private property insurance may assist the homeowner in replacing such items. Personal property insurance, like home insurance, often includes restrictions on how much you may claim. Things like fine art and jewelry may have coverage restrictions within the scope of the insurance.

Condo and apartment owner earthquake insurance policies vary somewhat from those offered to homeowners. The structural maintenance of a rental property is often different from the tenant’s duty, but rather the landlord’s. The condo organization normally handles the insurance for the whole building or complex, while individual condo owners are responsible for their respective units’ interiors.

As a result, a tenant or condo owner must only worry about protecting their items in an earthquake. Like standard homeowner’s insurance, earthquake protection is often excluded from renters’ and condo insurance plans. Tenants may obtain a policy from a top-rated insurance provider in their region and then inquire about the availability of earthquake coverage or a separate earthquake insurance policy.