Question:
Do I need to have earthquake insurance for my home?
Cómo determinar si necesita un seguro contra terremotos
En el 2011 los terremotos en Virginia y Oklahoma, los propietarios se apresuran a mirar por encima de sus pólizas de seguros para ver si su casa está cubierta. Pero a menos que usted es residente de California, entonces no vas a saber que la cobertura de terremoto no está incluido. El seguro contra terremotos es una política totalmente diferente en el que tendrá que pagar una prima para asegurar.
Por lo tanto, usted debe obtener un seguro contra terremotos? Si usted vive en California, entonces usted sabe que usted debe tener. Pero si no lo hace, a continuación, utilizar estos sencillos consejos para decidir.
Consejo # 1: vivir cerca de una falla activa
Es una apuesta segura que si usted vive cerca de una falla activa, debe obtener este tipo de seguro.
Consejo # 2: El tipo de vivienda afecta el costo de la prima
Tener una casa de madera es una prima más baja que ser dueño de una casa de ladrillo. Esto es debido a la reparación de ladrillo y otras formas de mampostería cuesta mucho más. Así que siempre tenga en cuenta el costo de las primas y el tipo de casa que usted posee.
Consejo # 3: Tipo de condiciones del suelo
Algunos tipos de suelo amplificar los temblores de tierra más que otros. Esto significa que usted sentirá la sacudida más que en otros lugares en función del tipo de suelo a su alrededor. Harder suelos y roca de fondo no es amplificar los temblores de tierra tanto como terrenos blandos y lodo saturado de agua. Tenga en cuenta las condiciones del terreno en su área de actividad y el terremoto de si usted debe conseguir un seguro contra terremotos.
Seguro para el Hogar Frequently Asked Questions
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Do I need to have earthquake insurance for my home?
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