"Andy" > wrote in message ...
> Ron said...
>
>> On Wed, 06 May 2009 14:07:31 -0500, Andy > wrote:
>>>Now you want to hear stupid?!? My good friend just bought his first home,
>>>15 miles from the San Andreas fault and had every excuse under the sun
> why
>>>he didn't need earthquake insurance! For the same price he felt he was
>>>better off with a new 60" plasma TV. That's stupid! [rolling eyes/shaking
>>>head]
>>>
>>>Best,
>>>
>>>Andy
>>
>> If he just now bought his home, earthquake insurance is a toss-up. The
>> premiums are high, the deductible is WAY high and coverage for
>> anything other than the house structure is pretty much non existent. I
>> had earthquake insurance up to the '94 earthquake which just about
>> broke my insurance company. They argued every charge and nit-picked
>> every expense and in general screwed us out of every penny they could.
>> When it came time to renew the new policy looked nothing like the old.
>> So I didn't renew. It would be cheaper for me to move out of
>> California than try to collect on the new earthquake insurance
>> policies.
>>
>> Ron Kelley
>
>
> Ron Kelley,
>
> In CA earthquake insurance IS premium coverage with high deductibles. And
> true, inscos can be BUMS!!! when it comes to claims. "We're not in the
> business of losing money," as the saying goes!
>
> When I moved to PA from CA, I maintained my earthquake insurance but here
> it was $75/annual with a $25,000 deductible. I could live with that UNTIL,
> one year (after 15 years in residence) they sneaked in a exception clause
> that declared they wouldn't cover any masonry damage. Well, that's more
> than half my house (inside and out), including cinderblock, fieldstone,
> slate, "used brick" and ceramic bathroom tile. They obviously got wind of
> the brittleness of "brick and mortar" during earthquakes. I canceled my
> earthquake insurance that instant. The BUMS!!!!!!
>
> Andy
> --
> "You're in good hands with Allstate ...Oops!"

You got the wrong agent!

We carried a 5% deductable with Farmers for years. After the 94 Northridge
quake they virtually rebuilt our place no questions asked.It got the point I
just let my contractor talk with the adjuster step by step.

Dimitri