Gempa bumi adalah bencana yang sangat diwaspadai oleh para pemilik rumah, terutama mereka yang tinggal di California. Namun, sebagian besar polis asuransi tidak mencakup kerusakan dan kerugian yang disebabkan oleh gempa bumi. Setelah terjadinya gempa bumi, keluarga mungkin tidak dapat tinggal di rumah mereka untuk waktu yang lama. Ini dapat menjadi hal yang sangat menyulitkan bagi keluarga yang sudah terkena dampak bencana alam – dan alasan mengapa banyak keluarga memilih untuk membeli asuransi gempa bumi.

Pemilik rumah seringkali membayangkan bahwa asuransi gempa bumi terlalu mahal dan memilih untuk mengambil risiko kerusakan lebih lanjut bagi rumah mereka. Namun tidak harus seperti itu.

Ini adalah beberapa hal yang dapat Anda pertimbangkan saat ingin membeli asuransi gempa bumi:

  • Apakah saya benar-benar memerlukannya? Ini adalah pertanyaan yang hanya dapat Anda jawab sendiri. Namun, jika Anda tinggal di California, dan asuransi gempa bumi dapat membuat Anda lebih tenang, mengapa tidak? Anda dapat terkejut mengetahui terjangkaunya harga asuransi gempa bumi.
  • Bagaimana saya menghindari lebih bayar? Banyak perusahaan asuransi mendasarkan premi asuransi gempa bumi pada konstruksi dan nilai rumah Anda. April Insurance Agency dapat menawarkan tingkat harga yang lebih terjangkau dan spesifik berdasarkan kualitas tanah di wilayah Anda. Keluarga dengan rumah yang dibangun pada tanah yang kokoh mendapatkan harga lebih murah, daripada harus membayar harga yang lebih tinggi oleh perusahaan asuransi lain yang mengkategorikan semua pemilik rumah berdasarkan kode pos, tidak peduli jenis tanah mereka seperti apa.
  • Bagaimana jika saya tidak di dekat garis sesar? Gempa Bumi Northridge 1994 terjadi pada garis sesar yang mana tidak diketahui orang-orang. Sesar batu terus ditemukan, maka tidak ada jaminan bahwa wilayah tersebut kebal dari risiko gempa bumi. Namun, jika Anda tidak di dekat sesar yang belum diketahui, biaya Anda akan cenderung lebih murah.
  • Bagaimana saya bisa tahu rumah saya terkena risiko? Hampir semua rumah di California memiliki risiko kerugian dari gempa bumi. Cara terbaik untuk mengira risiko Anda adalah dengan berbicara dengan broker Seiring waktu, kami telah melihat beberapa rumah – dan rumah-rumah di wilayah tertentu – lebih cenderung mengalami kerugian besar, sementara rumah-rumah lain hanya mengalami kerusakan kecil. Broker asuransi gempa bumi akan mengerti variabel ini dan akan dapat membantu Anda untuk mengambil keputusan yang tepat.
  • Berapa besar cakupan asuransi yang saya perlukan? Untuk permulaan, pikirkanlah seberapa banyak biaya yang akan Anda perlukan untuk membangun kembali rumah Anda setelah terjadinya gempa bumi. Anda dapat bersama-sama dengan agen Anda memutuskan batasan cakupan spesifik untuk rumah Anda, properti pribadi dan biaya hidup jika Anda tidak dapat tinggal di rumah Anda setelah gempa bumi. Anda dan agen Anda juga dapat menentukan deductible yang menurut Anda paling tepat. Beberapa pelanggan memilih deductible serendah-rendahnya 2% untuk memastikan bahwa mereka dapat melakukan pembangunan ulang jika diperlukan.

Silahkan hubungi April Insurance Agency jika Anda memiliki pertanyaan dan dapatkan fakta-fakta yang perlu Anda ketahui sebelum Anda memutuskan pilihan Anda. April Insurance Agency mewakilkan beberapa perusahaan asuransi yang berspesialisasi dalam gempa bumi. Silahkan hubungi 1-800-281-6175, Broker Asuransi Berlisensi sejak 1984, Lic # 0659943.

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