If an Earthquake Hits, Is My Home & Property Covered?

Earthquake Insurance in Tumwater, WAWe are overdue for a powerful earthquake to strike the United States. Experts predict that this will happen and it will cause billions of damage to homes, property and the environment. While we don’t have a timeline for when this will happen, nor are they certain that California & the Pacific Northwest are the only vulnerable areas, you can always make sure you and your family are fully prepared today.

If an earthquake hit, would I be covered?

The typical homeowner’s insurance policy does not cover earthquake loss. Earthquake insurance is insurance for your property that pays you in the event an earthquake causes damage to your property.

To learn more about what earthquake insurance covers and what isn’t covered, please call our offices today for a free, no obligation quote. Our insurance agents can determine the appropriate insurance coverage for your needs and finances.

Prepare Your Home with Tips from Earthquake Country Alliance!

Step 1: Secure Your Stuff

Since earthquakes can shake almost anything, it’s important to be aware of where your heavy or large items are located in your home.

  1. Do you have something heavy that can fall on you in a room you visit often?
  2. Keep heavy or unstable items away from doors or escape routes.
  3. If you have something heavy sitting on a shelf, see if you can lower it to a low shelf or the floor.
  4. Secure specific items in your home like your water heater, furniture, TVs, mirrors or art, appliances and more! This can be done with straps, studs or closed hooks.

Step 2: Create a Disaster Plan

  1. Identify where your safe spots are in every single room in your home. Can you drop, cover and hold in every room?
  2. Purchase a fire extinguisher and flash lights for your home. Keep them in a spot you can easily access.
  3. Make sure everyone in your home knows how to shut off your utilities: gas, water, electricity.
  4. Keep important documents in a safe. Also keep a list of important phone numbers for anyone in your family to access.

Step 3: Put Together an Emergency Kit

  1. Keep this in an area you spend a lot of time at in your home. It’s even better if you have a kit for your car or work.
  2. Items to consider: A whistle, flash light, first aid kit, non-perishable food, water, portable radio, protective work gloves or goggles, blankets, a can opener for canned food or copies of important documents.

If an earthquake strikes, DROP, COVER and HOLD.

Drop- Drop to your hands and knees to prevent yourself from having a fall, but also to have the ability to crawl to safety.

Cover – Cover your head and neck. If possible, crawl under a table or desk. If there isn’t anything available, crawl to an interior wall (away from doorways and windows). Use your arms to protect your head, neck and organs.

Hold – Hold on until the shaking stops. If you are under a table, hold onto it with one hand. If you do not have shelter, hold onto your body with both arms.

Step 5: Reach Safety after the Shaking Stops

  1. Evacuate to a higher ground if a tsunami is possible.
  2. Check for immediate injuries or damage. If bleeding is occurring, apply pressure on the wound.
  3. Remember your evacuation plan – where is a safe place to go?
  4. Prevent further damage – fires, gas leaks, fallen items, electrical wiring or spills can all cause more damage after an earthquake occurs. Be sure to shut off electricity or gas and have your fire extinguisher ready to use.

Step 6: How to Recover

  1. Once you have dealt with immediate damage, other items will require your attention.
  2. If you have an earthquake insurance policy, take pictures of the damage to your home and property. Then contact your insurance company to begin the claims process. Be sure to keep a record of repair costs.
  3. Not all earthquake policies are the same. Our agents can help determine the best coverage for your needs and finances. Call us today to receive a free earthquake insurance quote.

JBR Insurance in Tumwater, WA was established in 1994 and is family owned & operated. We have years of insurance experience and can help you insure everything from your home to your auto or motorcycle. Since we live where you do and are an independent insurance agent, so we can help you find the right company to fit your needs.

Off-Season Insurance in Tumwater, WA

Do I Need to Keep My Insurance During The Off-Season?

Off-Season Insurance in Tumwater, WAIt’s now time to enjoy some amazing fall camping excursions, calm boating on the lake or a motorcycle road trip. Each year we’re asked by many of our customers about the possibility to cancel your insurance policies on your summer toys like motorcycles, RVs, boats and ATVs. While you may not be using these alternative vehicles during the fall and winter months, your vehicles may be damaged and insurance claim would need to be opened. If you cancelled your insurance policy, you may be forced to pay for repairs or replacements out-of-pocket. During the cooler months while your toys are parked events can occur that could get expensive without a valid insurance policy.

Types of claims that could occur during the off-season:

Comprehensive insurance claims: Even though your vehicles are secured, theft or vandalism can still occur at any time. Having to pay out-of-pocket to repaint, repair or replace your toy could put a serious strain on your finances. Catastrophic events like floods or fires can occur during the off-season. If your comprehensive insurance policy is not in effect, you may be responsible to pay to replace your toys without assistance from your insurance carrier.

Liability insurance claims: Accidents can happen at any time, even if your toy is secure. During a party at your home someone thinks it would be great to take a picture on your Harley. They hop on and fall over damaging both your bike and themselves. Even if you did not give them permission to do so, you may be legally responsible for their injuries. Without a liability insurance policy in effect, you may be responsible to pay for the injured party’s medical bills and recovery costs.

Additional claims scenarios:

  1. A blustery storm knocks over a tree and it falls on your parked camper. (Comprehensive claim)
  2. A hail storm damages your vehicle (Comprehensive claim)
  3. Your garage catches on fire and burns your motorcycle, boat, or ATV inside (Not home insurance, Comprehensive claim for the vehicle)
  4. Your RV or Boat is parked in an off-season boat/rv storage facility and is damaged when an unknown party backs their vehicle into it. They don’t leave their information.
  5. A thief vandalizes your vehicle looking for valuable items

These are just a few of the many claims that can occur in the off-season. Some carriers understand that these vehicles are not used year-round and the premiums reflect the high and the low season.

Keeping your motorcycle insurance, RV insurance, ATV insurance or boat insurance in effect during the off-season may not only save your from a costly out-of-pocket repairs or medical payments, keeping a year-round policy may also save you money on your policy premium. Ask your insurance agent today about the benefits of keeping a comprehensive and liability insurance policy on your toys all year!

JBR Insurance in Tumwater, WA was established in 1994 and is family owned & operated. We have years of insurance experience and can help you insure everything from your home to your auto or motorcycle. Since we live where you do and are an independent insurance agent, so we can help you find the right company to fit your needs.