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What type of coverage do you need?

Did you know since 1900, earthquakes have occurred in 39 states across our county?*

Many of us were shocked by the quake that damaged the countries in the Indian Ocean in 2004, not to mention the January 12th, 2010 quake that devastated Haiti. For most of us we think an earthquake happens along the west coast and we do not have to worry about them along the eastern seaboard. Many of us believe we won’t be victims of earthquakes

It may shock you though that Bucks County, PA is listed by some as a moderate risk for an earthquake. Some of our clients in Reading, PA have experienced tremors. The last earthquake in PA occurred on Sunday, October 25, 2009 and registered 2.8 magnitude. This quake was located 100 miles west of Philadelphia and 15 miles south-southwest of Harrisburg.

Magnitude measures the energy released at the source of the earthquake and is measured on seismographs. The earthquake near Harrisburg may not have been felt except by a very few under favorable conditions.

Most homeowners insurance policies cover four main areas: the home’s structure, personal belongings, liability and additional living expense. Earthquake is not a coverage that is included in a standard homeowner’s policy, but the coverage is available in the form of an add-on endorsement.

Earthquake coverage premiums vary based on the type of construction, the value of your home, and your proximity to an earthquake zone. The average premium ranges from between $50 and $150 annually.

Be sure to have this conversation with your agent. There is nothing worse than finding out protection was available to you for a nominal charge when you emerge from wreckage to find out you didn’t have coverage.

At The Weimer Group we believe our clients should be educated on the coverage available to them. We take pride in knowing are clients are provided valuable information and contacted many times during the year to review their insurance program. We don’t just compare apples-to-apples, we make sure you are protected for the unexpected. Contact us today and find out why we are different than your average insurance agency, you’ll be glad you did.

*Insurance Information Institute

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