S&P财务保险经纪：为什麽需要地震保险？

根据加州地震局统计，在加州只有10％的屋主有地震保险。为什麽地震险的投保率如此之低？许多屋主有错误的观念，如果发生地震，他们的房屋保险将有保障。但是与普遍看法相反，您的房屋保险并不包括地震后的损失。

了解您的风险

地震随时可能发生，了解您的风险是评估地震保险需求的重要一个步骤。您住在地震常发生的地带吗？在发生大地震后，您是否可以负担重建家园的各项费用？请记住，即使在地震后，您也需要继续支付房屋贷款及生活上的花费。

不要等待

不要等到发生地震才来购买， 因为保单并不会包括已发生的事故。请联系我们开始报价并防患于未然。

___________________________________________________________________________________________

Why earthquake insurance?

With more than 400 earthquakes hitting Yellowstone National Park since June 12, it isn’t a bad idea to start looking into earthquake insurance if you haven’t already. According to California Earthquake Authority, only 10% of Californian homeowners have earthquake insurance. Why are so few insured? Many homeowners have the wrong assumption that in the event of an earthquake, their home insurance will help. Contrary to popular belief, your home insurance policy doesn’t cover damage after an earthquake.

Understanding your risks

Earthquakes can happen at any time and understanding your risks is an important step to evaluating your earthquake insurance needs. Do you live where earthquakes are common? After a large earthquake, are you able to make payments to repair/rebuild your home? Keep in mind you also need to continue paying your mortgage even if you are repairing your house after an earthquake. (and daily expenses)

Don’t wait until after a big one

Getting earthquake insurance coverage after the fact won’t cover your existing earthquake damage. Contact us to get started on a quote.