When it comes to living in California, some homeowners are living on shaky ground – and we’re not just referring to earthquakes. The bigger threat is the one posed by not having adequate insurance coverage if your home is damaged in an earthquake or other type of disaster.

Californians, more so than those of most states, live with the constant knowledge that earthquake activity is a possibility. Anyone with any property, be it a building or possessions, should make smart decisions about how they would cope financially if an earthquake episode affected them. Could you get by without your clothes and belongings if you lived in rental accommodation that was damaged as a result of earthquake? If you live in your own home, would you have enough money to find alternative accommodation if your home was substantially damaged after seismic activity?

You probably wouldn’t go out into the scorching sun without protective clothing. So give the same sort of thought to protection when it comes to other aspects of your life. The small outlay you would be required to make to afford protection in the event of an earthquake may be the best investment you make.

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Posted 12:00 AM  View Comments

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