Do you need earthquake insurance if you don't live on the coast?
你不能指望传统的房主pp王者电子官网在地震后赔偿损失.
许多人认为地震只可能发生在加利福尼亚. But according to the U.S. Geological Survey (USGS)在美国，每个州都发生过地震，但佛罗里达州和北达科他州发生的地震最少. 美国大部分地区都有可能发生地震, 重要的是要了解你的房屋pp王者电子官网和地震pp王者电子官网是如何一起工作的.
How does my homeowners insurance policy handle earthquakes?
Most standard homeowners, condo owners or renters insurance pp王者电子官网不包括地震对财产和个人物品造成的损失. 地震后的联邦和州政府财政援助可能无法支付你所有的重置费用. Even if your neighborhood is declared a disaster area, 联邦紧急事务管理局(FEMA)只能通过赠款提供有限的援助, and only to those who qualify.
In most states, pp王者电子官网公司提供地震pp王者电子官网作为一个单独的选择，他们的标准房主政策额外的保费. pp王者电子官网费因州而异，取决于统计和风险评估因素. Rates are lower in states with lower seismic activity. If you live in California, you can use CEA's premium calculator to determine rates in your area.
What should I look for in an earthquake insurance policy?
As when buying any type of insurance, purchase the coverage that works best for your budget and individual needs. Ask yourself these questions:
- What's the cost to replace my possessions? Replacement costs 因为你家里的主要电器和其他昂贵的物品可能会增加一大笔钱.
- Where would I live if my residence were uninhabitable? If your home sustains structural damage, 在维修或房屋重建期间，你可能不得不搬出房屋，住在酒店里
- How much is my home worth? Your earthquake coverage should match the level of coverage on your homeowners insurance 以确保你的家在需要维修或更换的情况下得到保护.
- What about personal property? Your earthquake coverage may not cover personal property. 房主pp王者电子官网通常不包括地震造成的个人财产损失. You might want to consider a personal article policy.
How do I know what to insure?
A home inventory 在任何损失之前记录你最有价值的资产，并更好地了解你可能需要多少pp王者电子官网，这是一种有用的方法吗. 保持准确的财产清单将有助于促进索赔过程，如果你必须提出索赔. A visual record of your possessions, 比如一段你家的视频或一系列照片, can help establish proof of ownership. Make a list of everything of value in your residence. 保存主要采购的文件，包括收据、信用卡账单和估价. 这些文件可以扫描为数字存储或保存在安全的场外位置, such as a safe deposit box. 一旦你创建了你的家庭库存，一定要保持更新.
How do I get earthquake insurance in California?
世界上大多数最大的地震都发生在美国东部.S. Pacific Coast, stretching from Southern California to Alaska. 尽管加州是全国地震风险最高的地区之一， only 13% of Californian's have earthquake insurance. 为了鼓励更多的加州人购买地震pp王者电子官网 California Earthquake AuthorityTM (CEA) was created in 1995. The CEA is a nonprofit, 由州政府创建的私人资助的pp王者电子官网公司，旨在帮助人们负担得起地震pp王者电子官网. 大多数加州pp王者电子官网公司都提供这种迷你保单选项. Additionally, if you live within 20 miles of a volcano, take a moment to find out more about how your family can prepare for and respond to a volcano eruption.
要了解更多关于地震pp王者电子官网的信息以及你所在地区是否有地震pp王者电子官网， contact your insurance agent.
