most cases earthquake insurance can be
added to your personal and
commercial policies for an additional premium. The deductible
earthquake insurance is a percentage of the value of the insured
percentage can be 5%, 10% or even 15%. Some
offer a choice of deductible, others offer no options except the
percentage they have selected. The premium is based on your
in relation to fault zones and the type of construction of your
As a general rule most
companies are willing to write
earthquake coverage in southwest Missouri and southeast Kansas.
a tremor is recorded, companies suspend offering coverage. If
concerned about earthquake damage on your property, ask us about it
wait for an earthquake event to decide you want to add the coverage,
ask us now about a quote or adding the coverage to your policy.
are links with information on the potential for earthquake
damage in our area:
standard property insurance policies (including homeowner
policies) don't cover flooding, it’s important to have protection from
the floods associated with hurricanes, tropical storms, heavy rains and
other conditions that impact the U.S.
In 1968, Congress created the
National Flood Insurance Program (NFIP) to help provide a means for
property owners to financially protect themselves. The NFIP offers
flood insurance to homeowners, renters, and business owners if their
community participates in the NFIP. Participating communities agree to
adopt and enforce ordinances that meet or exceed FEMA requirements to
reduce the risk of flooding.
because you have not previously experienced a flood does not mean you
will not experience a flood in the future. Flood
risk isn’t just based on history, it’s also based on a number of
factors: rainfall, river-flow and, topography, flood-control measures,
and changes due to building and development. FEMA has
Flood Insurance Rate Maps establishing flood zones. Your rate
determined by several factors including which zone your property is in,
lowest floor elevation, and the amount of coverage. In most
situations Flood insurance cannot be effective until 30 days after you
apply for it. If you are concerned about possible damage from
flood water, don't wait, call today.
What is covered on a flood policy?
NFIP Summary Of Coverage