Introduce Yourself to the Forum A good place to "dip your toe in the pool". Let the other forums know your connection/interest in Baja...

Old 01-15-10, 09:24 PM   #1
Tahoe Gringo
Tahoe Gringo's Avatar
Join Date: 12-09-09
Location: Lake tahoe, cold & snowy. Did I mention we miss the ocean?
Posts: 12

Tahoe Gringo is on a distinguished road

Default hi everyone

Have been reading/watching this site for quite some time.Have many questions for all but will just start with a few.
1. With the earthquake recently in Haiti I am wondering how all of you folks feel about the construction of your houses in baja?
2. Is there earthquake insurance in Baja & how much would it cost?
I know that building regulations may vary from one part of Baja to another but I am just interested in the safety of my home when I do end up in Baja.
Old 01-16-10, 11:17 AM   #2
kate's Avatar
Join Date: 04-06-09
Location: La Paz, BCS
Posts: 553

kate is on a distinguished road

Default Re: hi everyone

Hola Tahoe, interesting question, as most people in this area seem more concerned about hurricanes. There have been a couple of minor earthquakes since I moved here in 2007, but ('scuse the pun), nothing earthshaking. My thinking has been that low-rise masonry construction such as we have in La Paz is pretty earthquake resistant. I don't know about the availability of insurance coverage, but probably somebody will.
Old 01-16-10, 01:25 PM   #3
longlegsinlapaz's Avatar
Join Date: 05-24-09
Location: La Paz
Posts: 1,682

longlegsinlapaz is on a distinguished road

Default Re: hi everyone

Yup!! To get hurricane insurance, you need to take the full coverage that included hurricanes, earthquakes, floods, volcanic eruptions & more! Cost is based on insured value of structure & has a 3% (I think) fixed deductible. Go to . They have a brochure in English, so site MAY have English button as well. Annual premium on value of $200K is $1,175 USD.

Different companies have different levels of coverage, varying rates & deductible amounts, but ALL companies raised their rates (a LOT!) & lowered their coverage levels after Hurricane John.

I don't lose any sleep at all over earthquakes....but I DO have total respect for hurricanes!

I had my place built to high standards & while some of the finish detail sucks, I have no doubts about the structural integrity.

BajaGringo has a thread which follows his construction at:

And I have one using foam block construction at:

Check both threads out, you'll see quality structural integrity in each different construction material.
Old 01-16-10, 08:37 PM   #4
BajaGringo's Avatar
Status: Queso Grande
Join Date: 02-09-09
Location: San Quintin
Posts: 7,148

BajaGringo is on a distinguished road

Default Re: hi everyone

Up here where we are located on the northern Pacific side of the peninsula there isn't too much concern about hurricanes making it this far north. As far as earthquakes, good quality construction is the best insurance policy you will find IMHO...
Old 01-17-10, 07:53 PM   #5
BajaNuts1's Avatar
Join Date: 06-08-09
Location: N. central WA
Posts: 331

BajaNuts1 is on a distinguished road

Default Re: hi everyone

pssst- just a WELCOME to Tahoe Gringo!
__________________'s all good!

Texas Creek Products | Hot Sauce, Dips, Glazes & Spice Mix
Old 01-17-10, 08:59 PM   #6
Join Date: 04-07-09
Location: Southern California
Posts: 623

ELINVESTIG8R is on a distinguished road

Default Re: hi everyone

Tahoe Gringo