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Earthquake coverage can only be a covered loss if added onto your homeowner policy.  All standard homeowner policies EXCLUDE earthquake coverage; however, many insurance companies will allow the coverage added by special endorsement/rider, similar to adding sewer back up, itemized jewelry or Identity theft.  Unfortunately, in Missouri,  many homeowner companies will permit adding earthquake providing the home was built after 1960. 

The U.S. Geological Survey(U.S.G.S) reports some 200,000 earthquakes in the U.S. per year reaching 42 states.  Further, a 2014 Insurance Information Institute reports only 7% of homeowners across the country have earthquake coverage. 

My advice is, if the coverage is available from your insurance company, include it on your homeowner policy.  ANY questions please contact the Flanigan Insurance Agency @ 314-727-6000.
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NOTICE: This and all content is developed from sources believed to be providing accurate information. The information in this material is not intended to be used as tax or legal advice. Please consult with a tax and/or legal professional for detailed information regarding your individual situation. Some of this material was developed and shared by Flanigan Insurance Agency Inc to provide information that may be of interest. Flanigan Insurance Agency Inc is not affiliated with the named representative, broker-dealer, state- or SEC-registered investment advisory firm. The opinions expressed and material provided are for general information, and should not be considered a solicitation for the purchase or sale of any security.
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