Is everything around you shaking. Maybe it's another earthquake. If you live near Reno, Nevada we have been experiencing multiple quakes and primary epicenter is the Verdi/Mogul area. Most homeowners insurance owners have the ability to add earthquake insurance to their existing homeowners policy. If this is not an option, many independent insurance agencies (including ours) offers a stand alone earthquake insurance policy. In some cases these policies may even be less expensive than what your existing homeowners insurance carrier is offering. Especially if you plan to keep the policy for multiple years, because most stand alone earthquake policies do charge a policy fee and a dwelling inspection fee. The bottom line is if you do desire an earthquake insurance policy and your current homeowners insurance carrier will not bind coverage, you have the option of purchasing a stand alone insurance policy.
I've discussed the concept of the advance quote discount in previous posts. I wanted to take the opportunity to cover this concept exclusively. Bottom line: if you don't allow 8 to 10 days before you NEED insurance you are paying too much! What's unique about the advance quote discount (sold by most most independent insurance companies) is that the discount continues on renewal in most cases. So if you receive a 5 percent discount for the first six months the discount will also follow you on future renewals as long as you stay with this carrier (without a lapse in coverage). In addition, many insurance companies tier certain risk exposures. Tiered insurance policies: most insurance companies tier their policies initially to be more competitive for the markets (risk exposures) they are attempting to attract. Many times insurance companies not only give an upfront discount but in many cases they'll give the consumer a better tier rating. Especially if the insurance