NO ONE WANTS TO THINK ABOUT THE BIG ONE… UNTIL IT’S TOO LATE!

Washington has the second highest risk in the United States of a catastrophic Earthquake according to the Washington State Department of Natural Resources.

Most Home Insurance policies do not cover earthquake losses. Without taking steps to purchase coverage for this “cause of loss”; you will pay out-of-pocket to repair your home, replace your personal property, and to eat/live elsewhere. These expenses could be substantial!

Closing this “hole” in coverage for your most important investment is simple and surprisingly low* in cost. Contact our office to receive a quote after answering just 2-3 questions. We will provide you the best option, giving you better protection…and peace of mind.

NEARLY ALL EXPERTS AGREE, IT’S NOT “IF”…. BUT “WHEN” A MAJOR EARTHQUAKE WILL STRIKE  THE PACIFIC NORTHWEST.

*Earthquake coverage for a $500,000 Structure
Avg. premium = $464/year
10% Deductible

CONTACT US TODAY for a Free Quote  
Call 360-293-5158
Harmony@scottrichards.com   Nicole@scottrichards.com    Sherri@scottrichards.com

 

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Photo by NOAA on Unsplash

What is earthquake insurance and how does it work?

Earthquake insurance is an added endorsement to your existing homeowner or renter’s policy, or a separate earthquake policy you buy.

  • It provides coverage if your home is destroyed by an earthquake.
  • It’s a separate endorsement you must buy and add to your homeowner or renter policy.
  • You can also buy a stand-alone policy separate from your homeowner policy.
  • It’s usually sold with deductibles equaling 10 to 25% of the structure’s policy limit.
  • It only pays for damages that exceed the deductible.
  • There may be a separate deductible for contents, structure and unattached structures like garages, sheds, driveways, or retaining walls.
  • Generally, this coverage isn’t available to buy for a period of time after an earthquake.

Read more on at Washington State Office of Insurance Commissioners.

 

 

 

 

 

Cover image – Angelo Giordano from Pixabay