Earthquake Insurance, Do You Need in North Carolina?

Two earthquakes recorded in the Trinity in less than a week might make you think about them.

Greensboro, North Carolina – For the second time in a week, people at Trinity felt the earth shake. Early in the morning, aftershocks of 2.3 magnitude woke up some people in Winston-Salem. It’s the second earthquake in three days, and the first one was a magnitude 2.4.

With these recent grumblings, people are asking about earthquake insurance. It is completely separate from a normal homeowner’s policy and works similar to flood insurance or wind insurance.

“If you have a fire in your home, you usually have a flat fee, the $500 deductible but in earthquake coverage, it’s a percentage. The wind is the same,” said Christopher Cook of Alliance Insurance Services if you have a 2% deductible and you have A $200,000 home, you get the first 2% of that home, which equates to a $4,000 rebate.

Cook says only two of his 4,000 customers have earthquake coverage. Earthquake insurance is about $200 a year based on $200,000 for a home, but know this, even if you want it now, you can’t get it. Insurance companies do not write insurance policies while the ground is still shaking, and there is usually a two-week waiting period from the last earthquake.

Cook says it’s worth having your insurance agent run the numbers for you — so you can decide if you think the risk is worth it.

Even if you don’t consider earthquake insurance, consider this: Hot water heaters, air conditioning/heating units, refrigerators, and stoves are not covered by your homeowner’s policy if they are only damaged and need to be replaced.

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