Earthquake: Earthquakes send tremors of fear through most of us; impossible to predict. Earthquakes can cause major damage to your home and personal property, not to mention the loss of human life that can occur in severe earthquakes. An earthquake could strike anywhere, at any time, and without any warning. Earthquake insurance is one way to protect one of your most valuable assets: your home. Earthquake coverage is not included on most standard homeowners policies and must be added/purchased separately.
Difference In Conditions: Another option to consider is one policy that provides coverage for water damage, flood, collapse, earthquake and landslide. These coverages are very important and not provided under a basic homeowner’s policy.