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.
I'm at @StateFarm in Templeton Talking #earthquake insurance. You will be surprised to know that most home insurance policies do NOT cover you during an earthquake. Find out at 5/6 this evening how to get covered and when the policy starts in @KSBY pic.twitter.com/UYOFmABNxC
̵1; Megan Healy (@HealyMegan) July 8 2019  "This is as big as it was that people thought," what should I cover for? "Courtney Morrow, a state-owned agent in Templeton.
Tomorrow says there are more options when it comes to choosing your deductible.
" First, you can either make a 10% deductible, meaning 10% of your home amount, "said Morrow." So if your house is $ 500,000, you would pay a $ 50,000 deductible or 15% was the second option, but now you can go as low as 5%. "
If you bought earthquake coverage today, says Morrow it would not kick in until the next seismic event.
"You are covered; However, it will not cover you for the last event from the Ridgecrest quake or aftershocks, so we're talking about a new event, "said Morrow.
Others are not rushing to be covered.
" If not Do something in the next few years, I might think about it, but I'm not worried, "said Beau Dickinson, who does not have earthquake insurance.
Insurance agents say you can customize your policy by choosing a personal property and building code cover.
Tomorrow says that the Central Coast has one of the lowest premiums for earthquake insurance in the state.
"Insurance is not there because you know something that needs to happen, that's where it happens Something, "said Mother.
Things like the size and location of your house can affect the amount you pay.
Insurance agents say that homeowners with a single house on a plate are likely to pay less than anyone who lives in a two-story home on a fo
To find out how much earthquake insurance would cost for your home, click here .
* Michelle did not want her last name to be used in this story.