How to Protect Yourself if the Big One Hits!
In some areas in British Columbia, it seems we can’t escape talk of the “Big One. We all know that we should be preparing and protecting ourselves, but how? Earthquake insurance is critical to rebuilding your home post-quake, but having the right supplies on hand 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 would like to have covered in your home insurance policy. 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 that your Earthquake Insurance deductible is too high. In that case, there is sometimes an option to buy a separate policy to cover the cost of the Earthquake Insurance deductible.
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 https://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.
If you live in Alberta or British Columbia and are looking for Home Insurance, we are here to answer any questions you may have about our range of home insurance products and services. Contact us at 1.844.544.4663 and see what makes us Harbord – The Home Insurance People™!