October 2009 Weddings
Dear Community,
Our tech team has launched updates to The Nest today. As a result of these updates, members of the Nest Community will need to change their password in order to continue participating in the community. In addition, The Nest community member's avatars will be replaced with generic default avatars. If you wish to revert to your original avatar, you will need to re-upload it via The Nest.
If you have questions about this, please email help@theknot.com.
Thank you.
Note: This only affects The Nest's community members and will not affect members on The Bump or The Knot.
Homeowners Insurance Question
So we have full "premium" homeowners insurance but that does not include earthquake insurance (no policy seems to have it included). The cost to have earthquake insurance is $500 per year. This may be a stupid question, but would you get it? Remember, we live in CA and while earthquakes are common, the type of earthquake that would level my home is really rare.
P.S. If this seems like a no-brainer, forgive me. I have a pregnant brain and have had trouble making decisions on things like this lately.
Re: Homeowners Insurance Question
I can only answer this from the perspective of a Midwestern-er who doesn't live in a location that has earthquakes.
What would earthquake insurance cover that traditional homeowner's insurance wouldn't?? Can they really exclude/not cover property damage due to earthquakes if you don't have that coverage specifically??
I guess I personally would talk to your agent about your particular policy. If it covers damage due to the "act of God" type situations that are out of your control, it would seem like overkill and be unnecessary to me to add the additional clause for earthquake damage. However, if they can exclude damage to your property caused by an earthquake unless you have it, it seems like a good idea to have - if that makes sense.
Got your message and replied back but internet explorer crashed so not sure if it went through.
Thanks for the advice to all... we are going to go ahead and get the earthquake insurance.