{"id":7944,"date":"2023-10-03T09:49:47","date_gmt":"2023-10-03T14:49:47","guid":{"rendered":"https:\/\/www.bbrown.com\/insight\/earthquakes-the-basics-of-basic-coverage\/"},"modified":"2023-10-03T09:49:47","modified_gmt":"2023-10-03T14:49:47","slug":"earthquakes-the-basics-of-basic-coverage","status":"publish","type":"insight","link":"https:\/\/bbrown.com\/ca\/insight\/earthquakes-the-basics-of-basic-coverage\/","title":{"rendered":"Earthquakes | The Basics of Basic Coverage"},"content":{"rendered":"

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Personal Insurance<\/p>\n

\n Earthquakes | The Basics of Basic Coverage\n <\/h1>\n\t\n <\/div>\t\t\t\t\t\n\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t<\/div>\n\n\t\n[\/vc_column][\/vc_row][vc_row][vc_column width=”2\/3″]\n
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\n Earthquakes | The Basics of Basic Coverage\n <\/h1>\n\t\n <\/div>[vc_column_text]Earthquake insurance might be optional depending on your state of residence, but the coverage helps to protect your home and possessions from possible damage caused by seismic activity. Standard homeowner, renter and condo insurance policies do not include this coverage. Even small quakes can cause serious property damage and losses, but there is no protection without coverage. With this in mind, take the opportunity to learn more about options if you live in an area where earthquakes are possible.<\/p>\n

The two states with the most frequent earthquakes are California and Alaska. Although western states are best known for their earthquake risk, quakes are also a threat in places like St. Louis and Memphis, which are near the New Madrid Fault line in southeastern Missouri. It is important to have some insight into the insurance coverage offerings available. Below is a description of three basic coverages that insurers tend to include:<\/p>\n

Part 1: Dwelling Coverage<\/h4>\n