If an earthquake might damage your home to the point where it would have to be completely rebuilt, earthquake insurance is almost certainly a good idea. You’ll need homeowners insurance and flood insurance for that.Īs with any type of insurance, decide whether to get earthquake insurance by weighing the cost of the policy and the coverage it provides against your property’s earthquake risk and your ability to pay for the damage out of pocket. Not a replacement for fire or flood insurance: Earthquake policies don’t cover indirect damage, such as fires or floods caused by earthquakes.You might also have a sublimit for the cost of emergency repairs. Multiple sublimits: You might be limited to $25,000 in coverage for glassware, crystal, china, and porcelain, and another $25,000 for fine art, for example.It also may not cover masonry veneer (such as decorative brick or stonework), swimming pools, fences, landscaping, detached garages, and other detached structures. Incomplete coverage: Your earthquake policy may not cover damage to your land, such as repairs for sinkholes or cracks.You also may have to pay your deductible twice if too much time (e.g., 72 hours) passes between shaking events. Multiple deductibles: You might have to pay one deductible for your home’s structure and another for your possessions, for example.For example, the lowest earthquake deductible available in your area might be 5%, and the highest might be 25%. High deductibles: Earthquake insurance deductibles are usually a percentage of the cost to rebuild your home and can be much higher than homeowners insurance deductibles.It might feel like a lot when you’re already paying for homeowners or renters insurance. Additional premium: Carrying earthquake insurance is an additional expense.Drawbacks of earthquake insuranceĮarthquake insurance comes with some drawbacks: Additional living expenses: Also called loss of use coverage, this pays for costs like hotel bills or rent so you can live elsewhere while your home is being repaired or rebuilt.ĭid you know? In 2021, only 13% of California renters and homeowners carried earthquake insurance.Personal property: This pays to replace personal belongings damaged by shaking.Dwelling: This coverage pays to repair or replace your home’s structure if an earthquake damages or destroys it.Living somewhere else while your home is repaired or rebuiltĮarthquake insurance typically includes the following types of coverage:.Stabilizing the land under your home after a quake. ![]() ![]() Making building code upgrades to your home when repairing or rebuilding.Repairing or rebuilding your home and detached structures.Whether you own a house or rent an apartment, you must purchase an earthquake endorsement or rider (add-on) for your homeowners policy or a separate earthquake insurance policy to protect yourself against the risk of financial losses from earthquake damage.Įarthquake insurance can help with the following costs: ![]() Homeowners insurance doesn’t cover earthquake damage. ![]() Is earthquake insurance worth the cost?.Learn more about whether or not earthquake insurance is worth the cost: If you live in an area susceptible to these natural disasters, making earthquake insurance a priority in your budget can be a smart move. Large swaths of the United States face serious earthquake risks, and standard homeowners and renters insurance policies don’t cover them. NMLS # 1681276, is referred to here as "Credible."Ĭalifornia homeowners aren’t the only Americans who need earthquake insurance. Although we receive compensation from our partner lenders, whom we will always identify, all opinions are our own. Our goal is to give you the tools and confidence you need to improve your finances.
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![]() NiMH Batteries: NiMH (Nickel Metal Hydride) batteries have largely replaced NiCad batteries due to their higher capacity and faster charging times. They also tend to suffer from "memory effect," which means their performance can deteriorate over time if they are not completely discharged before recharging. They are relatively inexpensive, but can be slow to charge. NiCad Batteries: NiCad (Nickel Cadmium) batteries are the most common type of cordless power tool battery. To get the most out of your tools, you need to understand the different types of batteries and chargers available and what features and specifications you should look for when buying them. Types of Cordless Power Tool Batteries and ChargersĬordless power tools are an essential part of any serious DIYer or professional contractor's toolkit. Consider the specifications and features carefully to ensure you get the best product for your needs. When shopping for cordless power tool batteries and chargers, look for high-quality products from trusted brands. Look for chargers that offer fast charging times, multiple ports for charging multiple batteries simultaneously, and compatibility with a range of battery types. The type of charger you need will depend on the battery voltage and the amperage of your tool. Some batteries are also rated by amp hours (Ah), which indicates how long they will last before needing to be recharged.īatteries Chargers are also available in a range of options. Common voltages include 18V, 20V, and 24V. They are typically rated by voltage, so it's important to make sure the battery you choose is compatible with your tool. Whether you are a professional contractor or a DIY enthusiast, you need reliable batteries and chargers to keep your power tools running.īatteries for cordless power tools come in a variety of shapes and sizes. Introduction to Cordless Power Tool Batteries and ChargersĬordless power tools are an essential part of any toolkit.
Customers in the US can take advantage of the service’s first-ever free plan, called ‘Tidal Free’, which offers the company’s complete library of 100 million tracks at 160kbps with “limited interruptions” from Tidal that will “aim to educate consumers on the music industry.” So if you're looking to try something new, which is the best music streaming service for you? Read on to find out.īut hi-res and CD-quality streams aren’t the be-all and end-all of Tidal’s offering. After all, when your playlists are set up and your listening habits are learned by a certain service, it's harder to decide to switch. ![]() But you don't have to sacrifice quality Tidal, Apple, Amazon and Qobuz all have subscription tiers that allow you to access CD-quality and even hi-res streams.Īs paid-for access to music takes over from outright ownership, users are likely to be signed up to one service or another for decades to come, so it makes sense to fully investigate what's out there before blindly committing to a rolling subscription for the rest of your life. Those concerned less by the outright quality and more with getting bang for your buck can listen to compressed streams at 320kbps from the likes of Spotify. The audio quality of these streams varies between services. There are also discounts to be had for students, as well as savings if you share your account with another person or your household. Once you decide to pay, it's usually by way of a set monthly subscription fee, though some services, such as Qobuz, offer a reduction if you sign up for a full year. You can also check out the best free music apps if you're tight on budget. ![]() The good news is that most services offer new users free trials – typically a month but sometimes up to three – and some, like Spotify, have a free tier (supported by adverts with limited playback options) so you can try out a services interface and curation before you buy. There's a wide range of streaming services to choose from, offering unlimited access to vast catalogues of music, which can be streamed over the internet or a mobile network or downloaded directly to your device for offline listening. ![]() POH - Power on hours displayed and Drive temperature in Celsius.Drive status and supported features displayed.Model number and Serial number for drive selected.īelow is the Results and Progress screen: It can be used to recover bad sectors and erases all data. Full Erase - Fills the entire drive with zeros.Timed Erase (10 second, 20 seconds, 1 minute, 5 minutes) - Handy for when quick zerofill just doesn't get it all (ie, in case of boot loaders, etc).This option requires one second to complete. Erase Track Zero - Quick Zero fill to erase the data and partitions from a drive.Set Capacity to MAX - Used to resize drive to full capacity (does not bypass the Limit Capacity Jumper).Set Capacity manually - Limits drive to a specific number of Logical Block Addresses (LBAs), useful when replacing an unusual drive size in a RAID.Set Capacity to 32GB - Limits drive to 32GB for use on Pentium 3 or older systems.Acoustic test - Spins the drive down so you can determine if noise in a system is caused by the drive or by something else.This is usually used to find and repair bad sectors. Long test - Runs a full scan of the drive.If DST is not supported by the drive, Seatools runs a read test. Short test - Runs a DST test against Seagate drives.This will take you to the main menu page. ![]() There are three different ways to use SeaTools for DOS:Īt bootup, you will see an End User License Agreement: Please use SeaTools for Windows to test external drives. This utility will not detect external drives. See Document ID: 184971 or the user guide for your computer for information on changing boot sequence. If it doesn't boot from the media the boot order may need to be adjusted in the computer BIOS. Once the bootable media has been created then boot the computer with the media in the drive. Just copying the files to a CD will not work the file must be burned as an image to the CD. View Document ID: 201431 for details on burning the. EXE file downloaded from the Seagate web site and follow the on-screen instructions.Ĭreating a CD using the bootable CD image. In order to use SeaTools for DOS choose to download the floppy diskette version or the bootable CD image version.įor the floppy diskette version you will need one 1.44MB floppy diskette. This is the walk-through for both the old (text) and new (GUI) version. It includes several tests that will examine the physical media on your Seagate or Maxtor disk drive and any non-Seagate disk drive. SeaTools for DOS is a comprehensive, easy-to-use diagnostic tool that helps you quickly determine what is preventing you from accessing data on your desktop or notebook computer. |
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