Earthquake insurance: Earthquakes are not covered under standard homeowners or business insurance policies. Coverage, however, is available in the form of an endorsement to a home or business insurance policy. If you have purchased earthquake insurance, your policy typically covers the cost to repair common earthquake damage-including damage to roofing and walls, and most of your belongings or inventory. Some restrictions do apply. For example, your policy typically does not cover damage to fences, patios, landscaping, broken glassware, or art objects. In addition, you may have a higher deductible for earthquake damage than you have on your primary property policy.
Protecting valuables in your vehicle: Do you ever leave your car unlocked when you make a quick stop? many people do, which makes it easy for thieves to steal stereo equipment, CDs, expensive sunglasses or other personal property you may have in your car. If this happens to you, you may be surprised to learn that your auto insurance policy covers only factory-installed items, or items that came with the vehicle when it left the plant. Fortunately, many possessions you carry in your vehicle are covered under the personal property section of your homeowners policy. It's always important to take precautions that could help prevent a thief from breaking into your vehicle. Here are some tips:
*Roadside Safety: Whether it be a flat tire, a breakdown or even an accident, there's a good chance we'll all experience some sort of roadside emergency in our lifetimes. If it happens on a busy street or highway where you have to contend with heavy traffic flow, a bad situation can quickly become worse. Make personal safety your first priority. Follow these safety recommendations from the Insurance Information Institute, and help ensure that one accident doesn't become two:
- Lock all doors and roll up your windows-even for quick stops. It only takes seconds for a thief to strike.
- Don't leave items exposed on a car seat or the floor. Also, don't cover them with a blanket or jacket; it will only tempt a thief if it looks like you're hiding something. Instead, lock your possessions in your glove compartment or trunk.
- Consider installing a car alarm. The attention attracted by a noisy alarm may scare off a potential thief.
Emergency Resources: The following sites are additional resources to assist with preparing for and recovering from disasters.
- Never get out of the vehicle to make a repair or examine the damage on a busy highway. Get the vehicle to a safe place before getting out. If you've been involved in an accident, motion the other driver to pull up to a safe spot ahead.
- If you can’t drive the vehicle, it may be safer to stay in the vehicle and wait for help or use a cell phone to summon help. Under most circumstances standing outside the vehicle in the flow of traffic is a bad idea.
- Carry flares or triangles to use to mark your location once you get to the side of the road. Marking your vehicle’s location to give other drivers advance warning can be critical. Remember to put on your hazard lights!
- In the case of a blowout or a flat tire, move the vehicle to a safer place before attempting a repair—even if it means destroying the wheel getting there. The cost of a tire, rim or wheel is minor compared to endangering your safety.
American Red Cross: The American Red Cross not only provides disaster relief nationally, but is part of a global humanitarian network, responding to those in need.
Federal Emergency Management Agency (FEMA): FEMA is an independent agency of the federal government, which provides preparedness and response and recovery support to the nation.
National Oceanic & Atmospheric Administration (NOAA): NOAA is a federal agency and the primary source of weather date and warnings for the United States.
*Source: Insurance Information Institute