Before an earthquake hits, it's vital you understand your insurance policy. Read your homeowners policy carefully and know how to file a claim. Report claims immediately to your insurance company. Be aware that earthquake damage is excluded under most basic homeowners policies. You may have to add a special rider to protect your home from damage caused by a quake. The price of earthquake riders varies depending on the amount of the deductible. Talk to your insurance agent about your coverage. 

Prepare a complete inventory of your property, writing down serial numbers and taking photographs or videotapes. After a disaster, it is almost impossible to remember everything you may have lost. Keep the inventory and photographs or videotapes in a safe place away from your home.

Safe and Sound
No one knows when a disaster will strike, but by being prepared you can lessen the hazards of an earthquake. Teaching your family exactly what to do and what not to do can help them come through the disaster safely.