Blog Demystifying Earthquake Insurance: Stay Prepared with More-Skinny Family Jan 16, 2026

Earthquakes are unpredictable natural disasters that can cause significant damage to your home and belongings. While many homeowners believe their standard insurance covers earthquakes, this is often not the case. At More-Skinny Family Insurance Agency, we understand the importance of being prepared, which is why we are dedicated to offering comprehensive earthquake insurance solutions for our clients.

Many homeowners underestimate the need for earthquake insurance, thinking that earthquakes are rare enough that they're not a concern. However, if you live in a quake-prone area, this type of insurance can be vital. Earthquake coverage is designed to protect you financially in the aftermath of such an event, ensuring that your home and its contents are covered. It's crucial to understand that standard home insurance policies generally do not include coverage for earthquake damage, which is why a separate policy is a wise choice.

When you purchase earthquake insurance through More-Skinny Family Insurance Agency, you gain peace of mind knowing that you're protected against one of nature's most devastating forces. Our policies typically cover the cost of rebuilding or repairing your home if it's damaged by an earthquake. Additionally, they may cover detached structures, such as garages and sheds. Earthquake insurance can also help with necessary expenses you might incur if you're temporarily forced to live elsewhere due to quake damage.

So, how do you determine whether you need earthquake insurance? Consider the likelihood of an earthquake occurring in your area. For those living near fault lines, the risk is significantly higher. However, even areas with a low-frequency presence of seismic activity are not immune. The potential financial impact of an earthquake's damage can far outweigh the cost of a yearly premium for earthquake insurance. By investing in earthquake insurance, you're safeguarding your most valuable asset—your home.

As you weigh your options, it's important to have a clear understanding of what your earthquake insurance policy includes. At More-Skinny Family Insurance, we tailor our policies to fit your specific needs, guiding you through the coverage details to ensure you understand your policy's benefits. You should look out for the coverage limits, deductibles, and what specific scenarios are included under the policy. Typical scenarios like structural damage, personal property damage, and additional living expenses are worth discussing with your agent.

Another factor to consider is the timing of purchasing earthquake insurance. Most insurers enforce a waiting period before the policy becomes active. Hence, it's advisable to purchase coverage well before an earthquake alert is issued to avoid vulnerability during the waiting period.

In conclusion, earthquake insurance is a crucial investment for anyone living in an area at risk for seismic activity. At More-Skinny Family Insurance Agency, our commitment is to help you understand and navigate your options, securing peace of mind and financial protection. Stay prepared by contacting us today to discuss your earthquake insurance needs further. Together, we can build a plan that protects what matters most to you.