Earthquake Insurance for Artists

As with floods, earthquakes are not covered by your business, homeowners, or renters policy and must be purchased separately. The cost varies depending on:

• How close you are to a fault
• Construction of your building
• Whether or not you have retrofitted your building to minimize earthquake damage

 You must have a business, homeowners, or renters policy in order to purchase this insurance.

Earthquake insurance:

• is purchased through the company that sold you your other policy
• is not designed to cover all losses, but to put a roof over your head.
• can provide coverage for temporary housing while your building is being repaired
• does not cover any losses already covered by your business or homeowners insurance
• does not cover floods even if they were caused by an earthquake (you must have flood insurance to cover that)
• covers buildings and contents separately
• covers homes and businesses separately
• kicks in after you have satisfied the deductible