Neglect (meaning you didn’t take reasonable steps to protect your property).Water below the surface of the ground, including seepage or flows from any part of a building or other structure, sidewalk, driveway or swimming pool.Water damage which backs up through sewers or drains.Water damage such as flood water, tidal water or an overflow of a body of water.Earth movement from a non-seismic event, such as sinking, rising, expanding or contracting of earth because of the increase or decrease in the moisture content of the soil.Fire (however, fire damage may be covered by your homeowners insurance).Some earthquake insurance policies will not cover certain types of problems that occur right before, during or after an earthquake. Problems Not Covered by Earthquake Insurance If these types of items are important to you, it’s a good idea to compare a few different policies to get the coverage you want. For example, we reviewed an American Modern Home Insurance earthquake insurance policy that included awnings, plaster, masonry chimneys, exterior water supply systems and underground structures outside the dwelling foundation. Keep in mind, you may be able to purchase a policy that covers commonly excluded items. However, these types of structures are only covered when they are integral to the stability of your dwelling. In addition, a California Earthquake Authority policy will cover structures such as bulkheads, piers, retaining walls and masonry fences. Personal property in any other dwelling owned, rented or occupied by you.Any business property or property rented to others.Property of tenants, roomers or boarders not related to you.Decorative items or works of art, such as murals, sculptures, fountains, aquariums, stained or leaded glass, mirrors, and chandeliers.Trailers designed for use with a motor vehicle.Data (stored electronically or on physical records, like paper or accounting books).Landscaping, trees, shrubs, lawns or plants.Personal property located outside of the dwelling.Exterior masonry veneer, walls and fences.Bulkheads, piers, wharves and retaining walls.Underground structures or equipment outside the foundation wall of the dwelling, such as underground pipes, cables, flues and drains.Water supply systems, such as wells, irrigation systems, sprinkler systems and water reclamation systems.The following items are commonly excluded on earthquake insurance policies: What’s Not Covered by Earthquake Insurance? Additional living expensesĪdditional living expenses coverage, also known as “loss of use,” reimburses you for extra expenses like lodging, meals and laundry if you cannot live in your house because of earthquake damage covered by the policy. For example, we reviewed a policy that had a $500 special limit on computers and another $500 on tools. Some items have “special limits,” meaning the policy will only pay up to a specific amount. Personal property coverage includes furniture, clothes, appliances, dishes, pots and pans, jewelry, musical instruments, rugs and other personal items. This might include garages, carports, storage buildings, pump houses and other structures. This covers structures that are not attached to the house. This might include concrete slab floors inside the dwelling, the foundation and structures like an attached garage. The state Supreme Court in May agreed to hear the case and will make the final ruling on whether the university could resume construction.Source: Insurance Information Institute, July 2020 surveyĮarthquake insurance typically covers the following: Dwellingĭwelling coverage includes your house and the structures attached to it. ![]() The bill Newsom signed on Thursday, which takes effect immediately, alters a key state environmental law to say that developers don’t need to consider noise from future residents as a form of environmental pollution.Ĭonstruction came to a halt in February after an appeals court ruled that the university failed to study the potential noise issues caused by future residents and consider alternative sites. The park was founded in 1969 as part of the free speech and civil rights movement when community organizers banded together to take back a site the state and university seized under eminent domain. While university officials said the project would bring much needed housing to its students, opponents wanted the university to preserve the park and build elsewhere. The University of California, Berkeley, plans to build a $312 million housing project for about 1,100 of its students at the 3-acre (1.2-hectare) People’s Park.
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