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King TootinCommonSense | Earthquake insurance? |
My house insurance wont cover me for earthquakes and hardly anybody will in this state. Where can I get some??? |
 |
 
hot lips
 |
California EQ Association 916-325-3800. Or you could go to your Insurance Dept website to get Earthquake Carriers. Here are some more EQ carriers: In Hawaii there is Hawaii Prop Insurance 808-531-4449, Liberty Mutual 800-979-2020 they insure many diff states. Good Luck! |
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Ron@InsureMe
|
I'm assuming you live in California. After the 1994 Northridge earthquake, nearly all insurance companies completely stopped writing homeowners' insurance policies altogether in the state, because under California law (the "mandatory offer law"), companies offering homeowners' insurance must also offer earthquake insurance.
Eventually the legislature created a "mini policy" that could be sold by any insurer to comply with the mandatory offer law: only structural damage need be covered, with a 15% deductible. Claims on personal property losses and "loss of use" are limited. The legislature also created a quasi-public (privately funded, publicly managed) agency called the CEA California Earthquake Authority. Membership in the CEA by insurers is voluntary and member companies satisfy the mandatory offer law by selling the CEA mini policy. Premiums are paid to the insurer, and then pooled in the CEA to cover claims from homeowners with a CEA policy from member insurers.
The state of California specifically states that it does not back up CEA earthquake insurance, in the event that claims from a major earthquake were to drain all CEA funds, nor will it cover claims from non-CEA insurers if they were to become insolvent due to earthquake losses.
It appears that AAA is a participating insurance company that will offer earthquake insurance.
To visit InsureMe go to: http://www.insureme.com/?Refby=613984
Take care – Ron. |
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Frank
|
Call your state insurance commissioner and ask them what company writes insurance for earthquakes. |
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mei-lin
 |
You don't say where you are living, but the best thing you can do is to call around to independent agents who represent several different companies to see if they write it.
It has gotten to be a very expensive coverage. What people don't understand is that Insurance Companies have to buy reinsurance to help pay disaster losses such as earthquake. If companies didn't, they would be unable to pay claims. What Katrina did is to show companies that they have underestimated the magnitude of such disasters and they have realized that they have to purchase more reinsurance to be able to pay these claims or they will be out of business. If they are unable to pay claims, what good are they? So, unfortunately, as costs rise for them, costs rise for consumers. Insurance companies aren't bottomless pits of money.
Don't forget that insurance companies are in business to make a profit, just like any other business out there. |
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cardinalfanusa
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Where do you live? If you don't live in California, or now I suppose Hawaii, I wouldn't bother. At one time I was paying $300/year for earthquake insurance, and it carried a 10% deductable on the value of your house. So, if your house in valued at $100,000, you'll have to pay the first $10,000 of any damages. |
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mbrcatz
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your agent should know where you can purchase it. If they don't, it's time for a new agent!! |
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zyberianwarrior
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you can't and if you can its a scam. So you live in hawaii how much damage do you have?
ok it might be true in California but thats it. |
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