Homeowner, condominium owner and renter insurance policies protect your home and personal property from fire, smoke, wind, hail, theft and other exposures. However, most home-type policies exclude losses caused by an earthquake.
On November 8, 2020, a 3.6 magnitude earthquake occurred near New Bedford, MA. On August 23, 2011, a 5.8 earthquake centered in Virginia was felt all along the East Coast up through New England. Although the Northeast doesn't experience earthquakes with the frequency of the West Coast, New England is prone to earthquake activity. Damaging quakes have occurred in the past and they will in the future. In 1755, an estimated 6.0 magnitude earthquake occurred off the coast of Cape Ann.
Just because it hasn't happened recently doesn't mean it won't happen...in fact, the past history shows that it may only be a matter of time. If a significant quake occurred in Massachusetts, damage could be heavy because our building codes don’t account for such an event.
How would you pay rebuild your home if you haven't purchased the insurance to cover such a loss? An earthquake insurance endorsement added to your home, condominium, rental, or business policy can better protect you. Best of all it's affordable.
Click here to view a sample earthquake endorsement. To get more information on earthquake insurance and a custom quote, contact us by phone, email or in person.
additional earthquake facts and information: