In buying earthquake insurance, you may want to consider the following in selecting the right plan:

- which structures does the insurance cover? (dwelling, garage, home extensions)
- will the policy also cover the contents of the home?
- will additional living expenses be covered if the house is severely damaged?
- what are the exclusions and limitations of the coverage?
- how much deductible should be paid before the insurance may be availed of?

Consider the costs of rebuilding your house and replacing broken items inside the house – your policy cover all these. Make sure that your rights in claiming are clear before signing the policy.