The Best of Earthquake Preparedness Month

California is known for its great beaches, fine wines, and… earthquakes. It’s been a while since we’ve experienced a quake of notable size (1994, to be exact), but out of all of the states in the United States, we’re still the earthquake capital.

It’s a fact that some Californians take pride in… because you just can’t find quakes like ours in places like Ohio.

CA Rocks Tee                Screen Shot 2016-04-15 at 1.33.45 PM

Why is April designated Earth Quake Preparedness Month?

On April 18th, 1906 San Franciscans were shaken from their beds as they experienced, a reported, 8.3 quake. The rest is California history.

So in the month of April, organizations like shakeout.org and ready.gov bring awareness to an issue that we’re not usually thinking about until the ground beneath our feet is, literally, moving.

Check out this earthquake PSA from Dwayne Johnson, aka The Rock.

How likely is an earthquake?

If you’re in California an earthquake of some magnitude is inevitable, at some point. People have been speculating about “the big one” for some time. Apocalyptic scenarios have been the subject of major motion picture films and alarmist news stories, like this recent story from ABC news.

But the USGS (United States Geological Survey) would like to remind us that no one can predict earthquakes. And while they’re on the subject, no, California will not fall off into the ocean if there is a big enough quake.

How to Prepare for an Earthquake… Really

We’ve scoured the Internet for some solid sites offering tips for earthquake preparedness…

The Red Cross, How to Prepare

How to Create an Emergency Kit

How to Create an Emergency Kit

Download the Red Cross Earthquake App

Cappuccino Insurance Earthquake Tips

Should you have Earth Quake Insurance?

Since we’re an insurance agency, we’re usually thinking about insurance. It’s what we do.

Most California homeowners are aware that if your home is damaged in an earthquake, your regular insurance doesn’t cover it. The California Earth Quake Authority is one agency, among others, that offers insurance.

But should YOU have earthquake insurance?

Maybe. It depends.

It depends on…

  1. Where you live. Do you live in a high-risk area? (If you live in California you have to raise one hand, but if you live on a fault line, you have to raise both.)
  2. How much equity you have in your home. If you have 20% equity or more, it’s time to start looking.
  3. If it’s it worth it for you. Some policies require you to pay a 15% deductable before you start rebuilding.

Deciding if earthquake insurance is right for your and your home requires a little math and personal assessment.

We’re here to help.

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