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An Earthquake In Pasadena Maryland? Does My Home Insurance Cover Earthquakes?

An Earthquake In Pasadena Maryland? Does My Home Insurance Cover Earthquakes?

As I was talking on the phone during the afternoon of August 23, 2011, the walls of my office started rattling and a picture fell from the shelf behind my desk.  My first thought was, wow, there must be a big truck going down Ritchie Highway or Hastings Lane.  But then it continued for about another 45 seconds or so and I quickly realized that we were having an earthquake.

One thing most people do not realize is that like floods, earthquakes are not covered on a typical homeowner’s insurance policy.  So any damages to your home or personal property in the home that was caused by the earthquake would not be covered.

Earthquake coverage is available from most homeowners insurance company’s by purchasing an earthquake rider or endorsement.   If your company does not have the earthquake endorsement, you can purchase a separate earthquake insurance policy for your home.  Your agent or company should be able to answer any questions you may have on the issue of earthquake insurance.

It is always a good idea to go over your insurance policies periodically to make sure you know what is covered and more importantly, what is not covered (or excluded) under your policy.  Several people I have spoken to since the day of the earthquake did not know that earthquakes were excluded on their policies.  Knowing this information is important because the last thing you want to hear from your insurance agent or company is “I’m sorry, you do not have coverage for this loss.”

Huff Insurance is a full service Independent Insurance Agent We have been dedicated to Protecting Lifestyles™    since 1960. We offer a full array of Personal Insurance, Commercial Insurance and Life Insurance & Health Insurance products.
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