Norcal Gma 2May 20
This weekend I was telling someone that I started buying earthquake insurance when my husband's illness prompted my retirement.
While making excuses for why I would purchase such a high deductible expensive policy I said that in the event of an earthquake that toppled our house I would be homeless without insurance coverage.
He said I have so many friends I wouldn't be homeless.
It made me think about how much my friends mean to me and how those connections get me through some tough days. I don't expect to need a couch to sleep on but I do know I wouldn't be alone in a crises and I wouldn't want that for anyone else.
I've come to depend on Mastodon for a daily dose of kindness. A virtual support system of real people.
To be a part of this community is an honor a privilege and a life saver.
Thank you from the fullness of my heart.
(Not the bottom but the whole heart)
Hugs.
Show threadPusher of Pixels
@NorcalGma2 I suppose I assumed that most people in CA had such insurance? At least people with a significant property value (read most houses)
May 20 at 3:02amWeb
Show threadNorcal Gma 2May 20
@pixelpusher220
No. It costs twice as much as my homeowners insurance and has a very high deductible. We always assumed that we would repair or rebuild ourselves if the house was damaged and didn't buy the earthquake coverage. My husband built the house. Now we wouldn't be physically able to do the work. Even with the deductible I would be able to contract out the rebuild with insurance. Our house is very solid and has withstood some major quakes but you never know.
Show threadPusher of PixelsMay 20

@NorcalGma2 understood. Even with a 20% deductible, that puts a soft ceiling on the recovery.

I still hate that we let ins companies parcel out the *known* risks into separate policies. That's why we buy it!