Débauche sur scène : fesses nues, en position de (chien) - Jean Monard Metellus reagit. Misye pran mikro a, li...
Débauche sur scène : fesses nues, en position de (chien) - Jean Monard Metellus reagit. Misye pran mikro a, li...
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Rates for earthquake coverage in California average $1.75 per $1,000 of coverage. For example, if you had to purchase earthquake insurance for a $250,000 home, it would cost you roughly $437 per month. In some high-risk regions, that might even exceed the price of a homeowners insurance policy. In lower-risk regions coverage can cost as low as 50 cents per $1,000 of coverage. So for the same $250,000 home, a policyholder in a low-risk region might pay as little as $125.
Regardless of the level of risk, there are things that affect the cost of earthquake insurance premiums outside of geography. The age of your home and the number of stories (including the basement) have an effect on the cost of premiums. Newer homes tend to have better materials and can be designed with earthquakes in mind, so they typically cost less to insure than old home. The taller a home, the more at-risk it is to topple and so it is more expensive to insure.
Homes with wood frames cost less to insure because it is more elastic than other materials. Raised rather than slab foundations also give a home elasticity as its base, which is crucial during an earthquake. Even homes built on sandy soil instead of clay or rock will have lower premiums for the same reason.
Policyholders also can save money by earthquake retrofitting their home. Some of the most common retrofitting to older homes includes bolting the home to the foundation, bracing the chimney and water heater, installing automatic gas cut-off valves and using plywood to strengthen cripple walls. These all work to make the home more stable, and thus less likely to sustain serious damage in the case of tremors.
Cost of Earthquake Insurance
Rates for earthquake coverage in California average $1.75 per $1,000 of coverage. For example, if you had to purchase earthquake insurance for a $250,000 home, it would cost you roughly $437 per month. In some high-risk regions, that might even exceed the price of a homeowners insurance policy. In lower-risk regions coverage can cost as low as 50 cents per $1,000 of coverage. So for the same $250,000 home, a policyholder in a low-risk region might pay as little as $125.
Regardless of the level of risk, there are things that affect the cost of earthquake insurance premiums outside of geography. The age of your home and the number of stories (including the basement) have an effect on the cost of premiums. Newer homes tend to have better materials and can be designed with earthquakes in mind, so they typically cost less to insure than old home. The taller a home, the more at-risk it is to topple and so it is more expensive to insure.
Homes with wood frames cost less to insure because it is more elastic than other materials. Raised rather than slab foundations also give a home elasticity as its base, which is crucial during an earthquake. Even homes built on sandy soil instead of clay or rock will have lower premiums for the same reason.
Policyholders also can save money by earthquake retrofitting their home. Some of the most common retrofitting to older homes includes bolting the home to the foundation, bracing the chimney and water heater, installing automatic gas cut-off valves and using plywood to strengthen cripple walls. These all work to make the home more stable, and thus less likely to sustain serious damage in the case of tremors.
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