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HouseCalifornia is the state with the highest earthquake risk in the country, yet only 10 percent of Californian homeowners have earthquake insurance. Why don't more people have this valuable coverage? Let's explore some of the reasons and why they're not necessarily supported by the facts.

Many Californians were hit hard by the housing bust during the recession and simply could not afford to pay the premiums for earthquake insurance on top of home and auto insurance. While we can't argue with a tight budget, think about how much the damage would cost if your home were to be affected by a powerful earthquake. Now that we're starting to recover from the recession, it's a good time to reevaluate your budget and coverage needs.

Others are concerned about high deductibles, which are generally set at 15 percent of the covered home's value in most standard earthquake insurance policies. However, these deductibles are necessary to keep premiums lower and more affordable year-round. Plus if an incident does occur, the damage could easily exceed the deductible, making the coverage worthwhile.

Still others are worried that the California Earthquake Authority, created to sell earthquake insurance, will stop paying claims if catastrophic losses exceed its reserves. However, homeowners can rest easy knowing that the CEA is very well capitalized. In fact, industry professionals are much more worried about underinsured families than they are about the CEA's ability to pay claims.

Are you ready to learn more about protecting your home and family from damaging earthquakes? Your independent insurance agent is happy to answer your questions and assess your needs.

Get the coverage you need. Call Sweet & Baker Insurance Brokers at (415) 512-2100 for more information on San Francisco earthquake insurance.

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