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Earthquake coverage? Probably not in your policy

Homeowners are likely on their own to pay for damage from Tuesday’s earthquake.

A number of Louisa County residents – some whose homes suffered more than $10,000 worth of damage – learned this the hard way, The Free Lance-Star reports.

While most home and business insurance policies cover fire and water damage, coverage for earth movement damage is usually not included. Many insurance companies offer an earth-movement rider for existing insurance policies, but because earthquakes aren’t common on the East Coast, few people sign up.

Unlike homes, automobiles are usually covered for earthquake damage under the comprehensive portion of vehicle insurance.

One comment

  1. Does anyone out there know of a stand-alone policy to cover earthquake that homeowners can buy – from any carrier?

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