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If you own a home in the United States, you may think that your homeowners insurance cover in case of any disaster that may strike your home. Consider another time. In the United States earthquake damage to States to households not covered by standard insurance homeowners. Although other forms of insurance cover damage caused by earthquakes, such as auto insurance, after reviewing your insurance policy homeowner is a little closer, you will find likely that your home is not covered in the event of an earthquake.
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In the United States there are certain areas and regions that are most prone to earthquakes. The west coast, for example, directly above a major fault in the earth, causing frequent earthquakes, some of which have been enormous. California is a state that has been home to a series of disastrous earthquakes in history. However, if you do not live on the west coast of the States America's not supposed to be free of the danger of earthquakes. Earthquakes can happen anywhere at any time and on average about 5,000 earthquakes occur in the United States each year. In the past century earthquakes had been registered in 39 of the 50 U.S. states, more than half the country.
Earthquakes at least a 7 on the Richter scale, which measures the magnitude of an earthquake, occurred in both the eastern and central United States in the 19th century. Earthquakes can range from just be able to feel, to hit the ground with such force that large buildings collapse on the floor. If you happen to be caught in one of the worst earthquakes in your house probably will be damaged. The most recent earthquake to cause considerable damage to the surrounding areas was in Northridge, California in 1994. The earthquake measured a magnitude 6.7 on the Richter scale and caused nearly twenty million dollars in damage in Northridge and nearby cities and towns. A major earthquake has the potential to cause billions of dollars in damage to homes, businesses and communities. The Northridge earthquake only measured a 6.7, but there has been a series of major earthquakes around the world in years later, including the earthquake with its epicenter in the Indian Ocean that triggered a tsunami in Asia. This earthquake hit 9 on the Richter scale.
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Do not assume that just because your home insurance provides no coverage for earthquakes is not coverage. Earthquake insurance is available throughout the country for those who want to protect their homes and possessions of the threat of earthquakes. Although a considerably lower amount of Americans have earthquake insurance now, if you live in an area that is at high risk of major earthquakes, it would be foolish not to invest in earthquake insurance. Officials realized the earthquake insurance important it is for Americans in some parts of the country as the West Coast. They have advanced in recent years to make cuts in the rates of earthquake insurance in states like California, where it is vitally important for citizens to consider insuring against damage from earthquakes.
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Earthquake insurance can be relatively readily available. Other types of disaster insurance is not covered in homeowner insurance policies, such as flood insurance, are only available through government. However, earthquake insurance is readily available through private insurance companies. This makes obtaining an insurance earthquakes more convenient for ordinary citizens. California residents can also obtain earthquake insurance policies of the California Earthquake Authority. Earthquake insurance will cover any structural damage to your home and its contents, by the turmoil and change of land caused by earthquakes. Other damage to your home be covered by your homeowners insurance.
Unlike other natural disasters such as major hurricanes and tornadoes, earthquakes of any size be predicted. There is no way that scientists say an earthquake strike, and it is so important for you to be adequately prepared for a destructive earthquake important. If you live in an area with a high risk of earthquake damage, make sure your home and possessions are insured to ensure you are not left at a loss important.
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Article Source: ArticlesBase.com – Your Insurance Policy and Earthquakes
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