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Don’t let earthquake deductibles collapse your finances.

As the owner of a high-value commercial property, private home, or as a property manager or executive in a strata corporation, here’s what you should know about earthquake insurance deductibles.

  • In areas of high earthquake risk—such as Vancouver Island—earthquake deductibles can be far higher than the standard deductibles on your policy
  • Earthquake insurance deductibles are usually not a fixed amount but a fixed percentage of the property limit of insurance on your policy, often 10% – 20%.

In the event of an earthquake, the property owner is required to cover the full amount of the deductible for both the property and contents.

Earthquake-proof your finances.

With a low-cost Earthquake Deductible Buy-Down from HSM, you can reduce your risk to as low as $2500. Talk to us today about your earthquake insurance coverage, deductibles and how best to protect your property and your finances.

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