When most people think of earthquakes, they picture California or the Pacific Northwest. However, did you know that New England is also at risk for seismic activity? While major earthquakes are rare in this region, smaller tremors have occurred and can still cause significant property damage. Unfortunately, many homeowners in New England are unaware that earthquake damage is not covered under a standard homeowners insurance policy.
Understanding the Risk in New England
Although New England isn’t as seismically active as other parts of the country, it sits on a network of ancient fault lines. States like Massachusetts, New Hampshire, and Maine have all experienced measurable earthquakes in the past. The region’s older infrastructure and historic homes, which were not built with earthquake resilience in mind, are particularly vulnerable to damage from even moderate seismic events.
What Does Earthquake Coverage Protect?
Adding earthquake coverage to your homeowners policy ensures you have financial protection in case of seismic damage. This coverage can help with:
- Structural Damage: Repairs to your home’s foundation, walls, and roof if they are compromised by an earthquake.
- Personal Belongings: Coverage for damaged or destroyed possessions, including electronics, furniture, and appliances.
- Additional Living Expenses: If your home becomes uninhabitable due to earthquake damage, this coverage can help pay for temporary housing and other necessary expenses.
- Repairs to Detached Structures: Sheds, garages, and fences can also be included under earthquake insurance.
Why You Should Consider Earthquake Coverage
- Standard Homeowners Policies Don’t Cover Earthquakes
Many homeowners assume their existing policy will protect them, but earthquake damage is typically excluded from standard policies. Without a separate endorsement or policy, you may have to pay out of pocket for repairs. - Cost of Repairs Can Be Substantial
Even a moderate earthquake can cause cracks in your foundation, damage chimneys, or shift your home’s structure. These types of repairs can cost tens of thousands of dollars. - Affordability and Peace of Mind
Adding earthquake coverage to your policy is generally affordable and can prevent significant financial hardship in the event of an earthquake. - New England’s Unique Risk Factors
Many homes in our region were built before modern seismic standards were in place. Even if an earthquake is small, the risk of damage is higher due to the way these structures were designed.
How to Get Earthquake Coverage
At Risman Insurance Agencies, we can help you assess your risk and find an affordable earthquake insurance policy that fits your needs. Our team is dedicated to ensuring you have comprehensive protection for your home and peace of mind, no matter what Mother Nature has in store.
📞 Contact us today to learn more about adding earthquake coverage to your homeowners policy. Don’t wait until the ground shakes—be prepared and protect what matters most!
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