An earthquake is a sudden rapid shaking of the earth by the breaking and shifting of rock beneath the earth's surface. Buildings with foundations resting on unconsolidated landfills, old waterways or other soft or unstable soil are most at risk. Trailers and mobile homes not tied to a reinforced foundation anchored to the ground are also at risk since they can be shaken off their mountings during an earthquake.
Earthquakes strike suddenly, without warning and can happen at anytime during the year.
Separate deductibles may apply to contents and structure. If you buy earthquake insurance, consider getting coverage for your living expenses in case you can't return to your home. The behavior of animals may change dramatically after an earthquake. Normally quite and friendly cats and dogs may become vicious. Monitor animals closely.