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Got earthquake insurance? Uh, no - 39 states have experienced quakes since 1900 - damage has been reported in all 50 states
Submitted by Quest-News-Serv... on Wed, 02/15/2012 - 19:51.
The 5.8-magnitude earthquake that rocked Virginia and rattled the Eastern Seaboard Tuesday shook more than the floorboards: It also awakened millions of Americans to the fact that their homeowners insurance likely does not cover earthquakes.But if you want peace of mind when the walls start to shake, you'll need to take out an earthquake rider to your homeowners insurance. It's designed to cover the structural damage to foundations and structures caused by the quake itself. If your home insurer does not offer a rider to your existing policy, you can shop for an earthquake supplement elsewhere.
That doesn't mean you're entirely on your own when things get shaky. In most states, your homeowners insurance will still cover some of the collateral damage inside your home caused by an earthquake, such as fire from a ruptured gas line and flood from a burst water pipe. And your vehicles are covered if you carry comprehensive coverage on your auto insurance policy.
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