Earthquake Coverage for Southern Illinois Homeowners
Earthquakes may not be top of mind in Southern Illinois, but they can and do happen. Most homeowners policies exclude earthquake damage, leaving a major gap in coverage. Earthquake insurance is a smart addition for anyone near fault lines or concerned about ground movement that can cause serious structural issues. We help you understand the risk and get coverage that can save you thousands if disaster strikes.
Why Consider Earthquake Insurance?
Earthquake insurance typically covers repairs to your home and detached structures, as well as damage to your belongings caused by shaking or ground movement. Policies often have separate deductibles and limits compared to your home insurance. We’ll help you review your current policy and assess whether earthquake coverage makes sense based on your property type, location, and risk tolerance.
How We Help Protect You From the Unexpected
Earthquake insurance can be added as an endorsement to some homeowners policies, or purchased as a standalone policy. We explain your options, deductibles, and potential gaps so you can make a smart decision.
What Earthquake Insurance Typically Covers
Home Structure
Repairs or rebuilds your home if it’s damaged by seismic activity — including walls, roof, and foundation.
Personal Property
Covers your belongings inside the home such as furniture, electronics, and clothing.
Loss of Use
Pays for additional living expenses if your home is unlivable after a quake.
Earthquake Insurance FAQs
Is earthquake coverage included in my home insurance?
No. It’s a separate coverage that must be added to your policy or purchased on its own.
Is Marion really at risk for earthquakes?
Rates vary by location, structure type, and deductible.
How expensive is earthquake insurance?
It varies depending on your home’s age, materials, location, and deductible, but we’ll help you compare affordable options.
Do I need this if I have homeowners insurance?
Yes. Earthquake damage is not covered by standard homeowners insurance. A separate policy is needed.