San Jose Homeowners Insurance - Dealing With Earthquakes

A recent joint effort between the American Red Cross and the California Earthquake Authority is likely to increase earthquake preparedness, as well as allow residents to have an easier time getting back on their feet after a major quake. One point of the joint campaign is to raise awareness about the need for earthquake insurance.

Surprisingly, earthquake insurance is not a part of typical San Jose homeowners insurance policies, even though California's Earthquake Authority says that it feels over one hundred minor quakes on a daily basis. Not only that, but the state of California is estimated to be the recipient of tremors 6 and over every few years.

As frustrating as it can be to find earthquake insurance to adequately cover your home, it's important to know that you're not alone. Homeowner's Insurance Geek can help you find quotes from reputable insurance companies in your area and get the coverage you need.

The Government Doesn't Protect You 100%

The federal department of Homeland Security's Federal Emergency Management Agecy (FEMA) and the Governor's Office of Emergency Services (OES) are the organizations which help victims of earthquakes. But while there are disaster relief programs, none are currently designed to replace your home and the belongings you may have lost.  Not only that, but in a season where the US experiences a number of significant natural disasters, this Government branch can end up getting over-extended in trying to help everyone.

As well, federal disaster relief is available in the form of a low-interest loan which must be repaid.  You must qualify for that loan in order to benefit from it. And only those who don't qualify for the loan can take advantage of the emergency home repairs and temporary rent assistance available via FEMA grants. Therefore, finding an affordable earthquake insurance premium to add to your policy makes good sense.

And so does being properly prepared for a quake; it's something that you as a homeowner can easily make a reality, simply by following a few tips. After all, you may be without help for up to 72 hours following an earthquake.

The Earthquake Safety Kit

Having a safety kit on hand can allow you address your basic needs as far as injuries and nourishment are concerned. But an earthquake safety kit works best when it's available before a quake occurs. So taking the time to get the needed supplies for your kit now can help you care for your loved ones in the event any of them become injured following a quake.

First Aid

Basic first aid is what to keep in mind when creating your kit. So you'll need things like bandages, gauze, a splint, cotton balls, rubbing alcohol, hydrogen peroxide and analgesics. Any medication needed by family members including any pets should be included as well. A whistle may be helpful if you need to get the attention of emergency personnel.

Food and Water

You should gather enough canned food to feed everyone in your household for three days. One-can meals, such as chili or stew can help make it easier to figure out how many you need, in addition to taking up less physical space. Don't forget to have dry food in sealed containers or cans of wet food for your pets. Drinking water should be rationed at 3 gallons per person.


Should the temperature drop or you find yourself having to sleep outside, having extra clothing on hand is essential. This can include sneakers, socks, long pants, sweat shirts and blankets. In the event that it starts raining, ensure that you also have rain gear in the form of ponchos and rain pants. Staying dry will definitely be a priority if you have to brave the outside weather the entire time you're waiting for help to arrive.

Cash and Information

Considering that the credit card and cash machines could very well be out of commission in your area after a quake, it's a good idea to ensure you have some cash on hand. Your emergency stash will help you to get basic supplies if you find you're running low.

Having a laminated sheet that lists the emergency information for everyone in your household is also a good item to include in your kit. When creating your list, be sure to include any medical conditions, each person's date of birth and the medications they are currently taking. Having a phone number for a contact that lives in an unaffected area can also help emergency response to help you.


Are you in the market for a homeowners insurance policy to protect you and your family in the event of the untimely death of you or your spouse?  Let us help you.  We have free resources and articles designed to help you ask and answer the right questions.

Categories: Homeowners InsuranceFinding DiscountsUseful TipsHome Owners Insurance by CityNews