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870.295.2588  
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870.633.1934    
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A typical homeowners policy does not cover earthquake losses converge it must be added by endorsement or stand alone policy.  With that said, are you covered for earthquake?
Do you want coverage for earthquake? 

Here are some general/brief thoughts on earthquake insurance coverage:

1.)  A common misconception is that coverage is already built into the policy.  This is simply not the case.
2.)  Pay attention to deductibles that can range from 5%-20% of value of your home.  For example, a $200,000 home could have a $40,000 deductible on some policies.
3.)  Earthquake premiums have risen in past 20 years based on scientific evidence that a quake could occur in New Madrid zone of the Central US.  More on next blog post.
4.)  Approximately 20% of residence in the New Madrid fault zone actually by earthquake insurance.  Interestingly, in California only 11% of residents actually buy earthquake insurance!
5.)  In 1994, the Northridge quake caused $24 billion in insured losses.


We recommend purchasing earthquake insurance if at all possible.  Perhaps a higher deductible to make it more affordable and should a disaster occur you'll be able to handle your own problems and get back to normal living afterwards.
It's been since 1811 that we've actually had an event in the New Madrid fault zone which causes people to become relaxed.  Don't fall victim to this and prepare accordingly with insurance and a disaster plan for you family.


To price earthquake insurance on your home or commercial property call our Forrest City office at 870-633-1934; call Marianna office at 870-295-2588; call Stuttgart at 870-673-8586.
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