| "Thank You for taking such great care of our family. You not only saved us several hundred dollars over our previous insurance carrier but also made sure all of our insurance needs were well taken care of. When our niece needed automobile insurance at the last minute to purchase a new car, not only did you take the time to patiently educate her about insurance but you also waited over 2 hours after your normal business hours on a Friday night to make sure that she was able to take her new car home that day. You are not only an outstanding, dedicated insurance agent but a truly wonderful person. We look forward to a long insurance relationship knowing that we have you looking after us." | ||
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| "My name is Tony Laughlin and have been a client of Shepard Insurance Agency since late 1997. I came to this agency for the purpose of getting lower insurance rates. I not only found lower insurance rates, but I found by far, one the best agents in Ms. Luz Gomez. I unfortuneately have had a few incidents with my vehicles in the past, and I never felt that I was getting anything but top service. The phone calls are returned in very timely manner, and questions are answered as if they knew before they were asked. With the service I receive, I feel like I am their only client. There is no exaggeration in any of these comments, I feel the way I have explained. Thank you Shepard Insurance and a special thanks to Luz Gomez. " | ||
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Possibly the most important thing to know about earthquake insurance is this: A basic homeowners policy does not cover earthquake damage. Even if you don’t live in an area where earthquakes are common, you should still consider earthquake insurance. For most of us, our houses are not only our homes, but also the single biggest financial investment of our lives. Is it worth taking a risk by not having your home covered in the event of an earthquake?
If you decide that you need earthquake insurance, ideally your earthquake insurance policy should cover the cost to replace or repair your damaged property. There are several options to consider when choosing a plan, including:
- Does the policy cover only the dwelling? Are accessory structures, such as garages, also included?
- Will your policy pay for the contents of your home and for additional living expenses if your home is badly damaged or destroyed?
- Are there any exclusions or limitations to your coverage?
- What deductible must you pay before the insurance kicks in?
Earthquake insurance rates are determined differently by each insurance company and can vary widely depending on several factors. Generally, older homes cost more to insure. Wood homes get better rates than brick buildings, because wood tends to withstand earthquake stresses better. In addition, areas are graded on a scale for likelihood of earthquakes, and this might be reflected in earthquake insurance rates. Because earthquake insurance is a type of catastrophic coverage, most policies carry a high deductible—usually anywhere from 10 to 25% of your coverage limit.
If you ultimately decide to purchase earthquake insurance, you should buy enough to cover the costs of rebuilding your house and replacing broken possessions, not just their market values.
Shepard Insurance Agency strongly recommends that you carry earthquake insurance. You never know when the next earthquake will happen and if it will affect you or not. We believe this is just too big a chance to take.
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