Your homeowner's or renter's insurance won't help much after an earthquake. Here's why

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Your homeowner's or renter's insurance won't help much after an earthquake. Here's why
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In a state especially prone to tremors, only 13% of homeowners have earthquake insurance, according to the California Department of Insurance. Others who have renter's or homeowner's insurance mistakenly believe they're covered for earthquakes.

The magnitude-6.4 quake, which caused damage in some cities, was centered near Ridgecrest, about 150 miles north of Los Angeles. In a state especially prone to tremors, only 13% of homeowners have earthquake insurance, according to the California Department of Insurance. Others who have renter's or homeowner's insurance mistakenly believe they're covered for earthquakes.

" And earthquake insurance usually does not cover anything already included in your homeowner's policy. "For example, your homeowner's policy covers fire damage, even if an earthquake causes the fire. Therefore, your earthquake policy does not cover fire damage," the California Department of Insurance says. Earthquake insurance does not cover damage to your vehicles either -- that may be covered by your auto policy.

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