{"id":922,"date":"2014-03-17T18:52:00","date_gmt":"2014-03-17T18:52:00","guid":{"rendered":"https:\/\/livingstoninsurancesc.com\/?p=922"},"modified":"2022-06-27T10:05:48","modified_gmt":"2022-06-27T14:05:48","slug":"does-homeowners-insurance-cover-earthquakes","status":"publish","type":"post","link":"https:\/\/livingstoninsurancesc.com\/blog\/does-homeowners-insurance-cover-earthquakes","title":{"rendered":"Does Homeowners Insurance Cover Earthquakes?"},"content":{"rendered":"\n<h2 class=\"wp-block-heading\">Earthquake Insurance: Does your standard Homeowners Insurance Cover Earthquakes?<\/h2>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"alignleft size-full\"><img decoding=\"async\" loading=\"lazy\" width=\"300\" height=\"224\" src=\"https:\/\/livingstoninsurancesc.com\/wp-content\/uploads\/2022\/03\/earthquake-67699-300x224-1.jpg\" alt=\"\" class=\"wp-image-923\"\/><\/figure><\/div>\n\n\n<p>If you were like me and were sitting on the couch Valentine\u2019s Day Night in South Carolina or Georgia around 10:20 pm, you probably felt your entire house shake.&nbsp; And if you were like me, you probably wondered, \u201cWhat just happened?&nbsp; Was that a freight train that all of the sudden found tracks right outside my house or an airplane flying too low?\u201d&nbsp; Come to find out, it was a 4.1 magnitude earthquake&nbsp;with the epicenter near Edgefield, SC!&nbsp; Now you are probably not like me because the next thing I thought was, \u201cAm I covered under my homeowners\u2019 policy if there are any damages?\u201d<\/p>\n\n\n\n<p><strong>Earthquake damages are not covered under most standard homeowners insurance policies, but additional coverage can be purchased in most states.<\/strong><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Earthquake insurance usually covers damages to the insured residence and\/or its contents that are caused by the earthquake.<\/h2>\n\n\n\n<p>However, earthquake-related damages not caused by the actual earthquake but are a by-product, such as a tidal wave, may not be covered.&nbsp; Earthquake Insurance premium is based on the probability of an earthquake occurring in your area and the characteristics of the insured structure.<\/p>\n\n\n\n<p>The deductible is usually a factor of your home\u2019s insured value, usually around 10%.&nbsp; So if you had a $150,000 home, your deductible would be $15,000.&nbsp; That may sound ridiculously high, but think about all the damage a 7.3 magnitude earthquake, which was the magnitude of the 1886 Charleston Earthquake, could do.&nbsp; A ten percent deductible doesn\u2019t sound so bad when you look at it that way.&nbsp; That being said, the coverage is surprisingly affordable in our area of the country.&nbsp; I\u2019ve seen between five and ten percent of the annual policy premium.<\/p>\n\n\n\n<p>Bottom line, check your homeowners policy to see if you are one of the lucky ones where earthquake insurance is built into your policy form.&nbsp; If you are not so lucky, you can always inquire with your agent about adding the coverage. &nbsp;It is should not be that expensive.&nbsp; By purchasing the coverage, you gain peace of mind that you are protected if another larger earthquake were to hit our area, which history indicates that it will!<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Earthquake Insurance: Does your standard Homeowners Insurance Cover Earthquakes? If you were like me and were sitting on the couch Valentine\u2019s Day Night in South [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[41],"tags":[],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v21.5 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Does Homeowners Insurance Cover Earthquakes?<\/title>\n<meta name=\"description\" content=\"Earthquake damages are not covered under most standard homeowners insurance policies, but additional coverage can be purchased in most states.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/livingstoninsurancesc.com\/blog\/does-homeowners-insurance-cover-earthquakes\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta 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