It's October, and that means it's time to think about earthquake preparedness.  The Great American ShakeOut is scheduled for October 17.  A spokesman for the Illinois Department of Insurance says in addition to keeping yourself safe and learning what to do in case the "big one" hits, you should plan ahead to make sure your belongings are covered in case of some smaller ones too.

Mark Terry says you need to know that your standard homeowner's policy does not cover earthquake damage.  You should ask several questions of your insurance agent when buying earthquake insurance, including the comparison of rates for a brick home versus wood.

Terry comments

He also says there may be a different set of concerns for renters rather than home owners.  And Terry says the deductible works differently, on a percentage basis.  The higher the deductible, the cheaper the insurance, but remember, if you lose $100,000, you are responsible for the first $10,000 if your deductible is 10%.

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