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Do you need earthquake insurance?

“We started last week with a hurricane and we ended the week with an earthquake. I don’t think people have a clue as to what is not in their insurance policy,” said Christopher Cook with Alliance Insurance Services.

Earthquake made you consider additional insurance? You may have to wait

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What is not in your standard homeowners insurance policy? Flooding, earthquake damage, and wind damage. For example, damage from Sunday’s earthquake would not be covered unless the homeowner had earthquake coverage. Most folks don’t have this extra coverage.

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Cook says only two of his 4,000 customers have earthquake coverage. And right now, even if you had the money to buy coverage, you can’t get it.

“We’ve already had companies come out to us and say do not issue insurance for seven days, they need to see what is going to happen before there are

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