All shook up: What you need to know about earthquake insurance

HARTFORD, Conn. (WTNH)– After a fourth day in a row of small earthquakes in Eastern Connecticut, the state wants to make sure homeowners worried about damage, have the scoop on earthquake insurance.

According to the Connecticut Insurance Department, It’s important to know that earthquake damage is not covered in a standard homeowner policy.  It can be purchased for an additional cost.  When you buy earthquake insurance, there is usually a deductible.  Usually the deductible is a percentage and not a flat dollar amount.  According to the state, “Deductibles can range from 5 percent to 25 percent of the replacement value of the home. To understand how a deductible is calculated read your policy’s “declaration page,” the summary usually attached to the front of your policy, or talk to your agent.

And just because you want earthquake insurance right now, doesn’t mean you can get it right away.  Insurance companies can put a hold on selling earthquake insurance if there has been flurry of seismic activity, as there has been in eastern Connecticut this week.

To find out more about earthquake coverage, contact the Connecticut Insurance Department’s Consumer Affairs Unit.


Consumer Helpline: 800-203-3447 or 860-297-3900


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