S&P財務保險經紀：為什麼需要地震保險？

根據加州地震局統計，在加州只有10％的屋主有地震保險。為什麼地震險的投保率如此之低？許多屋主有錯誤的觀念，如果發生地震，他們的房屋保險將有保障。但是與普遍看法相反，您的房屋保險並不包括地震後的損失。

了解您的風險

地震隨時可能發生，了解您的風險是評估地震保險需求的重要一個步驟。您住在地震常發生的地帶嗎？在發生大地震後，您是否可以負擔重建家園的各項費用？請記住，即使在地震後，您也需要繼續支付房屋貸款及生活上的花費。

不要等待

不要等到發生地震才來購買， 因為保單並不會包括已發生的事故。請聯繫我們開始報價並防患于未然。

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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.