Consider adding earthquake coverage as a policy endorsement if you live in an area prone to having earthquakes. The cost is based on factors like the amount of insurance, building construction materials, location and deductible. Be aware that earthquake insurance provides catastrophic coverage. The policyholder is responsible for a separate, large deductible (often 2% - 20%) if damage occurs. A high deductible lowers the price of the endorsement. Contact your local property insurance agent for cost and coverage details. Some questions to ask:

• Does protection apply to the dwelling only or are detached buildings covered too?
• Are personal belongings included?
• Will additional living expenses be covered if you must temporarily relocate?
• What are the deductible options?
• Are there any exclusions?