Seismic activity is on the rise, with earthquakes occurring all over the U.S. Some areas have a higher risk of earthquakes, but one cannot be completely confident that any area will never be hit. While coverage is optional in most of the country, standard homeowner insurance does not cover earthquake damage – a separate policy is needed to protect against this. Do you have earthquake insurance? If not, one of our local agents at Brandon Barrett Simmerer Insurance in Richmond, VA, is here to help.
One large earthquake can be enough to make a home unlivable for months or become a total loss. It is unlikely that you would be able to cover the costs of repairs to a home that has been severely damaged or to replace all of your personal belongings. That’s when your earthquake insurance policy will benefit you. Earthquake insurance policy coverages can vary and may include covering the cost of accommodations for you and your family while your home is repaired or while the new build is being completed due to a total loss.
At Brandon Barrett Simmerer Insurance, we care about the Richmond community and helping our friends and neighbors to have the right protections in place. If you have concerns about seismic activity in your area and whether your home is at risk, we can help. While your current homeowners insurance policy may not include earthquake insurance, we possess the knowledge and familiarity with the industry to guide you towards insurance providers known for affordable rates and thorough coverage. Call us for help. We live and work locally, we are easy to reach, and we are always here to help you when you need it.
