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Flanigan Insurance Agency Inc Blog: earthquake

View the latest blog posts from Flanigan Insurance Agency Inc. Please highlight and go to this short link above.  This clip is published by MO DEPT OF INSURANCE pertaining to myths surrounding earthquake insurance.   Any questions please contact Flanigan Insurance at 314-727-6000         READ MORE >>

I was reading an email from Missouri Dept of Insurance, talking about insurance check ups on auto and home, among other topics.  I'm focusing here on homeowners and Earthquake.  It specifically read...... READ MORE >>

Many homeowner insurance companies have stopped writing earthquake coverage in Missouri, other's have placed a year(such as 1960) as the oldest they will permit adding earthquake.  Keep in mind if you suffer earthquake damage and do NOT have earthquake coverage there will be NO cov... READ MORE >>

NO.  A standard homeowner policy does NOT generally cover damage caused by earthquake and floods.  These sources of damage require additional coverage or a separate policy.  Insurance companies may write some earthquake, provided home is built 1960 or newer, while not writing the older homes. READ MORE >>

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. READ MORE >>

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