Earthquake Insurance and Beyond – 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 key to rebuild 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.

Earthquake Insurance

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 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. If you are worried if your Earthquake Insurance deductible is too high, there is sometimes an option to buy a separate policy to cover the cost of the Earthquake Insurance deductible.

Earthquake Supplies

In addition to insurance, it’s so important to be properly 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:

  1. 2 litres of water per person per day
  2. Canned food, non-perishable foods, granola bars (Remember to also include allergy friendly foods if any members of your family have allergies)
  3. Manual can opener
  4. Flashlight and batteries
  5. Radio (wind up or with extra batteries)
  6. First Aid Kit
  7. Prescription Drugs
  8. Infant Formula
  9. Sanitary Items
  10. Baby Wipes
  11. Extra Keys for your home and car
  12. Cash (Include smaller bills and change)
  13. 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 quickly grab the supplies if you need them. In addition, you may also want to carry an earthquake kit in your vehicle, so that you are always prepared wherever you are.

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