Insure the replacement cost of your home and possessions. Insuring actual cash value may not fully cover replacement costs. Prepare for earthquakes and other natural disasters. Know how to protect yourself and your family. Contact your local fire department, your insurance agent, and the American Red Cross for more information.
Some areas have higher risk of earthquake than others.
Compare prices, coverage, and services before you make your decision. Explain the coverage you want and make sure your policy provides that coverage. Shop around for the best package deal, and change insurance companies if necessary. You can find out the seismic zone for your area through your local building codes authority. For the most part, the risk of earthquake is higher west of the Cascades than east of the Cascades.