The Need for Earthquake Insurance

Recent natural disasters in both New Zealand and Japan have once again raised the issue of how vulnerable New England is to a similar occurrence. Here are a couple of facts for you to consider:
First, believe it or not, the Northeast US is earthquake country – while it does not have the high frequency of earthquakes of California, the Northeast has experienced damaging earthquakes in the past and they will occur again in the future.

The Need for Earthquake Insurance

The second factor you should consider is that the Northeast has a long history of earthquakes. From when the Pilgrims felt their first earthquake in 1638 up through a pair of damaging earthquakes (magnitude) that occurred in 1940 near Ossipee, NH. And since 1975 moderate size earthquakes have occurred in Central New Brunswick, central NH, northern NY State and Quebec.

The bottom line is that this area is more susceptible to earthquakes than you might think. And from our standpoint, it is equally important that you know that a standard homeowner’s insurance policy does not provide earthquake coverage. You need a special policy rider to cover damage to your dwelling and possessions should an earthquake occur. If the events of the past few weeks have made you nervous and you would like to learn more about earthquake coverage options, please do not hesitate to give H&K a call at 800-890-5606.

H&K Insurance Agency Inc. has served as an independent insurance agency since 1961. We have had the privilege to provide personal and business insurance protection to over 10,000 clients. Our staff is instructed to be your representative in the puzzling and often overwhelming realm of insurance. Our goal is to provide excellent service with professionalism, courtesy, and dedication.