Washington Earthquake Insurance Coverage

An earthquake is one of the most devastating events that can happen. Your homeowners/renter’s policy will not work in the event of an earthquake. To protect yourself and your property against this, an earthquake insurance policy is specially made for this kind of disaster.

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Earthquake Insurance Benefits & Coverage

Dwelling Coverage
In California, only 10% of people purchase insurance against these risks. In Washington, the number has risen to 11.3%, and in New Madrid, it has dropped to 12.7%. Dwelling coverage helps cover the home up to its included amount.

Personal Property Coverage
The furniture. computer and TV are most likely included when buying a policy. However, you can get more coverage when you buy additional breakable coverage.

Additional Living Expenses
Is the term for the expenses you incur while relocating to another location. While some homeowner's policies cover earthquake damage, many don't. Earthquake insurance can help cover the costs of temporary living expenses, such as food and hotel stays.

Cost To Remove Debris
The most likely types of homes to be damaged by an earthquake are wood-frame homes, multi-story buildings, and brick homes. Earthquake insurance can cover the cost to remove the debris damage to your property due to the earthquake.

Why Buy An Earthquake Insurance

Important questions most of our clients asked are: “Do I need an earthquake insurance policy?” To answer this is yes! Even though your house is located where earthquakes are rare, you should acquire at least the standard policy. According to a study, all 50 states in the USA are likely to experience these ground-shaking events. Most people think that the policy is expensive, however, buying coverage can cost $800 per year, this will work with $500,000 worth of coverage.

It's crucial to have this coverage because of the high possibility of earthquakes damaging your home. Most policies allow you to set a deductible of 5%, 10%, 15%, or 25% of your dwelling coverage limit. That way, you'd pay a deductible of $45,000 if your home were destroyed by an earthquake, and your insurer would pay the rest.

Earthquake insurance covers damage caused by earthquakes, volcanoes, and other seismic events. It also specifies a period for a single event. The payout will pay for repairs and replacements to your home, other structures, and personal belongings. It also covers earthquake-related land stabilization and loss-of-use coverage. This policy is beneficial for earthquake-prone areas and those with a lot of buildings made of brick, stone, or clay.

While earthquake insurance is useful for reducing losses from earthquakes, it can be very costly, especially if your home is located in a low-risk area. In such areas, some policies will not cover the full cost of repair or rebuilding, make sure to check the state and local laws before deciding to buy a policy. This can save you thousands of dollars in the long run.

What's Cover & Not?

Protect Your Investment Against Earthquake

The standard homeowner policies don't cover earthquakes. But you can add earthquake insurance as an endorsement to your policy. The coverage includes the pay—for repairs to your dwelling and any other structures attached to it. If an earthquake causes damage to your personal property, it will cover the cost to remove debris. Additionally, it may even pay for extra living expenses.

The type of insurance you purchase depends on the state where you live. For example, Californian homeowners insurance is required by law to include earthquake coverage because of the high risk of seismic earthquakes. Some states do not require to have them, however, they can help you protect against quakes. Also, earthquakes can be caused by modern disposal methods. So, earthquake insurance may be worth considering even if you live in a state with a low risk of seismic activity.

Part 1: Dwelling Coverage: Sometimes referred to as Coverage A which covers home up to included amount, but not excluded with the following:

Your homeowners’ policy limit will be the same as your earthquake insurance.
The deductibles may range between 5%, 10%, 15,%, 20%, and 25%.
Most earthquake policies excluded landscaping, pools, fences, masonry, or separate buildings.
Renting or owning a condo, does not need to buy a policy.

Part 2: Personal Property Coverage. Also known as Coverage C which covers the things inside your home, like furniture, TVs, and computers.

A $5,000 standard limit which you can increase up to $200,000.
The deductibles may range between 5%, 10%, 15,%, 20%, and 25%.
More coverage can protect you if you purchase additional breakable coverage.

Part 3: Additional Living Expenses/Loss of Use. A Coverage D provides temporary and extra costs to live somewhere else like hotels, while your house is inhabitable or being repaired.

Typically covers temporary rentals of homes, apartments, and hotel rooms, as well as restaurant meals, temporary telephone lines, furniture rental, and laundry.
The deductibles may range between 5%, 10%, 15,%, 20%, and 25%.
More coverage can protect you if you purchase additional breakable coverage.
The limit can range from $1,500 up to $100,000.

Emergency repairs coverage pays for the cost of replacing damaged items. It typically covers 5% of your dwelling and/or personal property limit. The premium will be determined depending on your deductible. Earthquake insurance deductibles will vary, but most are between ten to fifteen percent of the total rebuild value of your home. For homeowners who are concerned about their deductible, they can purchase earthquake insurance that will cover these costs.

Whether you need it or not, it is best to understand how a single event can wiped-out all of our dreams. Prevention is always better than cure, protect yourself and your assets by buying an earthquake insurance policy, which can be beneficial shortly. Or especially if you are in a high-risk quake area.

Flood Insurance Experts

What Happens If My House Is Destroyed In An Earthquake Without Policy

If you are planning to buy a flood insurance policy, you should assess if your house land in a flood-prone area. Many communities can qualify for a policy through FEMA. However, if you live in an area where flood maps change frequently, you may not be able to find one without getting a quote. Vice versa, if you live in a high-risk area, you can purchase a separate policy from a private company.

A typical flood insurance policy will pay for the replacement costs of your home after a flooding event. It does not cover losses that happen before the flood. Moreover, you cannot increase the amount of coverage once the flood starts. In some areas, flood insurance is necessary, but there are also some exceptions. Generally, a flood insurance policy costs about $260 annually for a $100,000-per-inclusion limit. While this is a good start, you must ask if you need a policy.

Some areas are required to have an insurance policy by the federal government. In many cases, the insurance coverage is less than what you need, but the amount is still significant. And a flood insurance policy will provide you with peace of mind.

Washington State, Earthquake & Flood Insurance Trusted Provider

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News & Blogs

Weekend Emergency Dentist Sacramento | Open Saturday & Sunday

Emergency Dental Sacramento

December 17, 2025•3 min read

If your tooth emergency waited for a weekday, life would be easier. But tooth pain has a talent for showing up on Friday night and wrecking your weekend. If you’re searching for an emergency dentist open weekends in Sacramento, you’re looking for speed, real treatment options, and a clear plan.

We help patients find Saturday and Sunday emergency dental appointments for the issues that can’t wait: severe toothaches, swelling, broken teeth, lost crowns, and injuries. The goal isn’t just “get through the weekend”—it’s to stop the problem from escalating.

Call Now for Same-Day Emergency Dental Care

Weekend dental problems that shouldn’t wait

Call for weekend care if you have:

Severe tooth pain that’s worsening
Swollen gums or facial swelling
Fever with dental pain
Broken tooth with sharp edges or exposed tooth structure
Crown fell off or filling fell out
Trauma (accident, sports injury, fall)
Bad taste/drainage (possible infection)

If you can’t sleep, can’t chew, or can’t focus, that’s your sign.

Why waiting until Monday often makes it worse

Weekend delays commonly lead to:

Pain getting more intense
Cracks spreading
Infection risk increasing
Monday appointment gridlock

In Sacramento, Monday schedules fill fast. Getting seen on the weekend often saves you from days of discomfort and helps prevent bigger procedures later.

What weekend emergency dental visits can do

Weekend care can be real treatment, not just “here’s a prescription.” Depending on the situation:

Exam and X-rays
Temporary restorations
Stabilizing cracks/breaks
Crown re-cementing or temporary solution
Managing urgent infection symptoms
Extraction when appropriate
A clear plan for follow-up

The focus is stabilization and progress—fast.

How to get a weekend appointment faster

Call early in the day
Be ready to describe symptoms clearly (pain level, swelling, fever, trauma)
Mention if you’re swelling or feverish—those are higher priority
If a crown/filling fell out, mention sensitivity and pain level

Insurance, cash pay, and payment plans

We support patients who:

Have most major dental insurance
Prefer cash pay
Need payment plan options (where available)

No insurance? Still call. Early treatment is often the cheapest version of an emergency.

What to bring

Photo ID
Insurance card (if applicable)
Medications/allergies list
Crown piece if it fell off
Knocked-out tooth stored properly (milk/saline)

What you can do until you’re seen

Avoid chewing on the painful side
Warm salt water rinse (gentle)
Cold compress for swelling
OTC pain meds as directed
Don’t place aspirin on gums

Sacramento weekend areas served

Common weekend calls come from:

Midtown / Downtown
East Sacramento
Natomas
Arden-Arcade
Land Park
Elk Grove (nearby)

Related Emergency Dental Care in Sacramento

Emergency dentist in Sacramento
Holiday emergency dentist in Sacramento
24/7 emergency dentist in Sacramento
Emergency dentist near Midtown Sacramento

Call Now for Same-Day Emergency Dental Care

FAQs

Are you open Saturday and Sunday?
Weekend appointment options are available. Call for the soonest opening.
Is swelling urgent?
Yes—call immediately if swelling is worsening or spreading.
Do you take insurance on weekends?
Yes—most major dental insurance is accepted.
Is cash pay okay?
Yes—cash pay is welcome.
Are payment plans available?
Payment plan options may be available depending on provider.
Can you do an extraction on the weekend?
Often yes if clinically appropriate.