We learned today from an Allstate agent that contrary to some beliefs, all homes in Washington can get earthquake insurance, including brick homes. The insurance does not come cheap however, and some homes in areas close to the coast (West Seattle, Magnolia, Mukilteo) are going to be more than further inland area homes, Homes built before 1961 are also more than ‘newer’ homes. Homeowners can have their homes retrofitted, or structure bolted to the foundation, to get a lower insurance cost. One thing to note is that the insurance often comes with high deductibles, perhaps 10%. The insurace in WA is provided by Geovera. Asking around the office, we could not find anyone with earthquake insurance, most feel that it is too expensive, I guess a risk we are willing to take…. but know that it is available to you!
Susanne
