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Earthquake insurance is exactly what it sounds like; insurance coverage for property damage caused by an earthquake. Since most commercial building and other property insurance plans do not cover damage caused by earthquakes, separate earthquake insurance for your commercial property is often a necessity. Approximately 90% of Americans live in what may be considered a seismically active region, so earthquake insurance is not something that should be ignored.

Since earthquakes tend to cause either phenomenal amounts of damage or no damage at all, earthquake insurance plans tend to have a fairly high deductible, which is the portion of claim that is not covered by the insurance policy. When thousands of dollars worth of damage are at stake with earthquake damage, it makes sense that the building or property owner would be responsible for a portion of the sum. In addition, smaller claims for minor damages are common. Those who benefit the most from earthquake insurance are those who have experience the most catastrophic and expensive damages, as it should be.

As with any type of insurance, coverage plans for earthquake insurance differ widely. Some our of coverage plans here at BIA Insurance Agency cover replacing damaged property, some will replace personal possessions, some including coverage for adjoining structures such as garages. At BIA Insurance Agency we guarantee that we have the right earthquake insurance coverage plan for you that encompasses the right price and right extensiveness of coverage that you need.

Insurance rates for earthquake damage coverage are determined by several things, such as location and proximity to active fault lines, type of building being covered, and soundness of the building being covered. For example, older houses which are not as durable as newer, up-to-earthquake code buildings will have higher rates.

In addition to searching for the correct cost for your insurance coverage plan, make sure that you find a policy that covers the amount it would cost to rebuild your commercial property. After that, it is up to you if you want to cover the contents of the property, as well as any adjacent properties.

Here at BIA Insurance Agency, we offer a wide variety of commercial earthquake insurance coverage options for you and for your business. One of our experienced and knowledgeable commercial insurance plan representatives will be happy to assist you and to help you determine what type of coverage is best for you. We are happy and eager to answer all of your questions, and to help you find the best, most affordable and extensive earthquake insurance coverage for you and your business, so give us a call today.

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