In some areas in British Columbia, it seems we can’t escape talk of the “Big One. We all know we should prepare and protect ourselves, but how? Earthquake insurance is critical to rebuilding your home post-quake, but having the right supplies is invaluable. Here are a few details about Earthquake Insurance and some tips for supplies to have on hand.
If you live in an earthquake zone, it’s probably a good idea to carry some form of Earthquake Insurance. You’ll find many Earthquake Insurance options depending on which company insures you. Some companies will allow you to choose what you want to be covered. You may choose to have Earthquake Insurance only your building or perhaps only to insure part of your contents. You can also look at different Earthquake Insurance deductibles. The higher your deductible, the lower your annual cost will be. Suppose you are worried about your Earthquake Insurance deductible being too high. In that case, there is sometimes an option to buy a separate policy to cover the deductible cost of the Earthquake Insurance.
In addition to insurance, it’s essential to be adequately prepared for yourself and your family. Experts tell us that we need to maintain enough supplies on hand to last each household member for a minimum of 72 hours after an earthquake.
You should have stored in an easily accessible dry area:
- 2 liters of water per person per day
- Canned food, non-perishable foods, granola bars (Remember also to include allergy-friendly foods if any members of your family have allergies)
- Manual can opener
- Flashlight and batteries
- Radio (wind up or with extra batteries)
- First Aid Kit
- Prescription Drugs
- Infant Formula
- Sanitary Items
- Baby Wipes
- Spare Keys for your home and car
- Cash (Including smaller bills and change)
- Your emergency plan. You can find some great information on what to include in your plan, along with more recommended items to include in your Earthquake kits, at http://www2.gov.bc.ca/gov/content/safety/emergency-preparedness-response-recovery/preparedbc
Furthermore, try to keep your earthquake supplies in an easily accessible area. You’ll want to be able to grab the supplies if you need them quickly. In addition, you may also want to carry an earthquake kit in your vehicle so that you are always prepared wherever you are.
Do you have questions about earthquake coverage? Our team of highly skilled brokers would be happy to answer any questions you may have. Feel free to call our team at 250-388-5533 or email us at [email protected]