Earthquake Insurance

As we pointed out in our blog, New England might be susceptible to an earthquake similar in magnitude to those that struck New Zealand and Japan in 2011. To reiterate:

  • Believe it or not, the Northeast U.S. is an 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 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 these have concerned you and you would like to learn more about earthquake coverage options, please do not hesitate to contact H&K Insurance Agency today.

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