Philip E. Ca…, Real Estate Pro in Santa Clara, CA

Are you a homeowner in the San Francisco Bay Area and do you have earthquake insurance?

Asked by Philip E. Cabral, Santa Clara, CA Sun Dec 23, 2012

If you do, how much are you paying? If not, how do you plan on protecting your home against the big one?

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0 votes Thank Flag Link Wed Dec 26, 2012
Hi Philip,

Here's another 14 comments on this subject:…

0 votes Thank Flag Link Mon Dec 24, 2012
The overwhelming majority of our clients choose not to have earthquake insurance because of much higher premium costs and deductibles.

For my own properties we choose to spend the extra money we would on insurance on seismic upgrading instead.
0 votes Thank Flag Link Mon Dec 24, 2012

As a realtor, you are most likely that only about 10% of homeowners in the Bay Area have earthquake insurance. There are many reasons for that:

• Extremely high cost
• Extremely high deductible
• Most people believe FEMA would step in and provide low cost loans

Here is a post that addresses earthquakes in the Bay Area:

Earthquakes And Your Home: 5 Critical Things You Need To Understand…

0 votes Thank Flag Link Mon Dec 24, 2012
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