1710 E 32nd St - Joplin, MO
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Personalized Service Since 1979
Licensed in Missouri and Kansas
Earthquake and Flood coverage is NOT included in
personal and commercial property insurance policies.
In most cases coverage is available.
Earthquake Insurance
Flood Insurance
earthquake insurance     In most cases earthquake insurance can be added to your personal and commercial policies for an additional premium.  The deductible on earthquake insurance is a percentage of the value of the insured property.  The  percentage can be 5%, 10% or even 15%.  Some companies offer a choice of deductible, others offer no options except the percentage they have selected.  The premium is based on your location in relation to fault zones and the type of construction of your building.  

      As a general rule most companies are willing to write earthquake coverage in southwest Missouri and southeast Kansas.  Once a tremor is recorded, companies suspend offering coverage.  If you are concerned about earthquake damage on your property, ask us about it now.  Don't 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.

Below are links with information on the potential for earthquake damage in our area:

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flood insurance midwest insurance     Since 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.

     Just 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 developed Flood Insurance Rate Maps establishing flood zones.  Your rate is 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

  Coverage descriptions and explanations on this web site are general in nature, you should consult your policy for  the exact coverage provided.
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