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Most home insurance policies do not cover earthquake damage – here's how to protect your home



The recent earthquake activity in California encourages people to prepare for the next.

Some of the prep includes the purchase of earthquake insurance.

You may be surprised to find that most home insurance policies do not cover earthquake damage.

On the 5th of July, an earthquake rocked in the earthquake Ridgecrest. California's largest 20-year earthquake was felt by some people on the Central Coast.

A woman from San Luis Obispo is happy that she bought earthquake insurance a few years ago.

"It's a guarantee if something hopefully nothing will happen," said Michelle *, who owns earthquake insurance.

When Michelle lives in a condominium, the whole earthquake insurance does not cover everything, just like common walls. It's about a homeowners' association to protect.

"It covers everything inside, but it doesn't cover the walls next to the unit next door."

Since the shaking, insurance companies like State Farm say customers are thinking ahead.


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