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If you have a mortgage, your lender probably required you to obtain some level of homeowners insurance coverage. However, you''ll want to make sure that the amount of coverage that you have will adequately protect you for all possible losses. Homeowners policies set coverage limits for specific items (e.g., jewelry), so you may want to look into purchasing a separate endorsement or a floater if you feel that you need to increase your coverage. You also need to know if you have "replacement cost" coverage on your personal property and if you are covered for earthquake damage.
Added on: Sat Oct 25, 2008 5:07 am by :
masteris009
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most of the guys thinks that earthquake is a natural disaster (it is!! no doubt about it!) and then they never think that they should get insurance cover for this but think that it is a responsibility of the government to pay for the natural disasters.
I think every person should go for a earthquake insurance if their home/house is not built according to the standards which are helpful to sustain the earthquake impact. 
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