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The Water Cooler
General Discussion
Earthquake home insurance policy
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<blockquote data-quote="Parks 788" data-source="post: 2379569" data-attributes="member: 14646"><p>Do you all really need quake insurance? I know you've have some earthquakes lately but not really much to worry about, IMO. My house is in the ot bed of earthquake faults. Our home was built in 1959 and was not built to withstand earthquakes like the are now and we have never had a problem while past quakes have maybe cracked some drywall around the widow openings nothing bad has happened.</p><p></p><p>Aren't your new homes in OK built to with stand higher wind loads than than normal? We have looked into getting the quake ins and the costs is about $600/year . One interesting thing I found out when speaking with the insurance gal was that if we had a big enough earthquake to really do damage to the house and during the damage a gas line broke and caught the house on fire it is the standard homeowners policy that would pay and not the quake coverage.</p></blockquote><p></p>
[QUOTE="Parks 788, post: 2379569, member: 14646"] Do you all really need quake insurance? I know you've have some earthquakes lately but not really much to worry about, IMO. My house is in the ot bed of earthquake faults. Our home was built in 1959 and was not built to withstand earthquakes like the are now and we have never had a problem while past quakes have maybe cracked some drywall around the widow openings nothing bad has happened. Aren't your new homes in OK built to with stand higher wind loads than than normal? We have looked into getting the quake ins and the costs is about $600/year . One interesting thing I found out when speaking with the insurance gal was that if we had a big enough earthquake to really do damage to the house and during the damage a gas line broke and caught the house on fire it is the standard homeowners policy that would pay and not the quake coverage. [/QUOTE]
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