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The Water Cooler
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Earthquake home insurance policy
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<blockquote data-quote="inactive" data-source="post: 2379765" data-attributes="member: 7488"><p>Thing is that here in OK, the geology is such that the shakes travel much further away from the epicenter than in California. The quake that hit central OK November 6 2011 (the one that was televised on the OSU/K-State game) caused cracking in my garage floor, driveway, and walls. It was a 5.6 but I was some 80 miles away and still got damage. Also our homes here aren't built with any earth movement like this in mind, which is different from the wind/debris damages, so they're pretty susceptible to damage from the quakes.</p><p></p><p>It is a gamble though because as you mention they may or may not happen frequently enough for it to be worth the coverage. Personally I don't have it as I don't think it to be any more a risk than the inherent vice of my 1962 home's naturally settling.</p><p></p><p>Edit: To the OP, per the OID the state’s top five carriers for residential earthquake insurance are:</p><p></p><p> Travelers Group</p><p> American International Group</p><p> State Farm Group</p><p> Zurich Insurance Group</p><p> Liberty Mutual Insurance Group </p><p></p><p>It's worth noting that Farmers is a subsidiary of Zurich, so a Farmers agent may or may not have information on coverage; I don't think Zurich write any personal lines auto or property here in the US as to not compete with Farmers (they're commercial only AFAIK). Travelers and AIG are commonly written through Independents, so you'd start there for getting quotes on those two companies.</p></blockquote><p></p>
[QUOTE="inactive, post: 2379765, member: 7488"] Thing is that here in OK, the geology is such that the shakes travel much further away from the epicenter than in California. The quake that hit central OK November 6 2011 (the one that was televised on the OSU/K-State game) caused cracking in my garage floor, driveway, and walls. It was a 5.6 but I was some 80 miles away and still got damage. Also our homes here aren't built with any earth movement like this in mind, which is different from the wind/debris damages, so they're pretty susceptible to damage from the quakes. It is a gamble though because as you mention they may or may not happen frequently enough for it to be worth the coverage. Personally I don't have it as I don't think it to be any more a risk than the inherent vice of my 1962 home's naturally settling. Edit: To the OP, per the OID the state’s top five carriers for residential earthquake insurance are: Travelers Group American International Group State Farm Group Zurich Insurance Group Liberty Mutual Insurance Group It's worth noting that Farmers is a subsidiary of Zurich, so a Farmers agent may or may not have information on coverage; I don't think Zurich write any personal lines auto or property here in the US as to not compete with Farmers (they're commercial only AFAIK). Travelers and AIG are commonly written through Independents, so you'd start there for getting quotes on those two companies. [/QUOTE]
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