For millions of people, living in California, comes with facing a higher risk of earthquakes than those throughout much of the rest of the country. These seismic events can rip through your home and shake up your entire world. Fortunately, with proper preparations, including suitable earthquake insurance, you can manage the aftermath of these natural disasters with limited financial repercussions.

Why Do I Need It?

Standard homeowners, renters and commercial property insurance policies typically do not cover damage caused by earthquakes. Given California’s high risk for seismic activity, many property owners are vulnerable to significant losses. Earthquake insurance is designed to fill this gap, potentially providing much-needed financial relief.

What Does My Policy Cover?

Earthquake insurance policies can help financially protect against a range of losses and expenses, including the following:

• Structural damage to your home or business caused

• Damage to personal belongings, such as furniture and electronics

• Costs to stabilize and repair foundations, walls and roofs

• Additional living expenses if you need to relocate temporarily

It’s important to note that coverage details and limits can vary. The team at MTN Insurance Services can help you understand what’s included and identify any exclusions or deductibles that may apply.

Who Should Consider Earthquake Insurance?

Earthquake insurance can be valuable for many people, but is often especially important for the following parties:

• Homeowners in areas prone to seismic activity, such as California

• Renters who want to financially protect their personal property

• Business owners seeking to cover their buildings, equipment and inventory

How MTN Insurance Services Can Help

Our team at MTN Insurance Services is dedicated to helping you find the right earthquake insurance for your needs. We’ll review your property, explain your options and guide you through the process of securing coverage that fits your budget and risk profile.

Contact us today to discuss coverage options or compare personalized quotes.