Earthquake Insurance

What are the two most important things to know about earthquake insurance? 1. Most home insurance policies do not cover earthquake damage. 2. Even if you don’t live in an area where earthquakes are common, you may still need earthquake insurance.

Earthquakes have occurred in 39 states since 1900, and about 90% of Americans live in areas considered seismically active. For many of our neighbors in Coeur d’Alene, earthquake insurance can be inexpensive – contact Pacific Crest Insurance – Coeur d’Alene to find out what the costs would be for your home.

Earthquake insurance can have many options

Most homeowner, condo and rental insurance policies do not cover damage caused by an earthquake, but coverage can be purchased as an endorsement or a separate policy.

Does Idaho really need earthquake insurance?

In all likelihood, almost the entire US would be better protected by purchasing earthquake insurance. Consider the facts:

• In the West: High probability of significant seismic activity over the next 30 years.
• In the East & Midwest: Significant risks exist across major fault lines throughout the United States.

What to do when an earthquake strikes