 TITLE: A Homeowner’s Guide to Earthquake Insurance CONTENT: How to Save on Earthquake Insurance\n-----------------------------------\nIf you decide earthquake insurance is right for you, use these strategies to save money on your policy:\n*   **Improve your credit.** Insurance providers in many states can use credit-based insurance scores to assess risk and the likelihood that you'll file a claim. Lower credit scores could mean higher premiums. You can improve your credit by making all your debt payments on time, reducing your credit card balances and only applying for credit as needed.\n*   **Shop around.** Don't settle for coverage from the first provider you find. Get quotes from multiple companies and go with the most reputable option that fits your needs and budget. If you live in California, coverage is available through the nonprofit California Earthquake Authority (CEA).\n*   **Raise your deductible.** A higher deductible means a lower premium since you will assume more risk. But only make this move if you could afford to pay the higher deductible if an event were to occur. END