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Earthquake Insurance in Michigan?

When you think of high-risk areas for earthquake damage, Michigan probably doesn't come close to the top of your list. However, since the mitten has had two noticeable seismic events in the last few months - it may be time to consider your exposure to this natural disaster. Did you know that it is not automatically covered by your homeowner’s insurance?

In the event of an earthquake its impact will depend on the magnitude and your distance from the epicenter. In May a quake near Kalamazoo reached 4.2 on the Richter scale followed by another in June that registered at 3.3 in Calhoun County. These may have been the first of their kind in over a decade but according to the U.S. Geological Survey earthquakes of any magnitude can happen anywhere in the country at any time. Damage can range from cracks in the foundation of a home and chimney collapse to cracked gas or water pipelines. We want you, as our valued insureds, to be fully aware that if damage occurs as a direct result of an earthquake, coverage will not apply without an endorsement on your policy.

We have great news -because our risk in the state of Michigan is low, so are the insurance rates! Earthquake insurance is something that can be added on to your existing coverage with ease. It’s a small price to pay for peace of mind - ask our account managers about your policy for details.