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Special Items - Earthquake
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| When an earthquake strikes, after the last aftershocks, you may find yourself wondering if your insurance will cover the damage to your property. Many homeowners don't realize that a basic policy provides no coverage for earthquake damage. Review the chart below to see how Utica's earthquake solution can help. |
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Coverage Descriptions:
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Homeowner Policy
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Homeowner
Policy with Utica's Earthquake Endorsement
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| A typical homeowner policy does not provide coverage for damage caused by an earthquake. However, if a claim to your property occurs as a result of the earthquake, and the claim is caused by fire, explosion or breakage of covered glass, there is coverage for the resulting claim. | This endorsement broadens your coverage so in the event of an earthquake your property would have insurance protection. This endorsement may also have a larger deductible than your basic homeowner policy. There are certain limitations with this coverage. Contact your local independent agent for more information. |
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Commonly Asked Questions:
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Homeowner Policy
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Homeowner
Policy with Utica's Earthquake Endorsement
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| Q. My home is situated close to an earthquake fault line, but there's never been an earthquake. Should I purchase earthquake insurance? | A. That is entirely your decision; but should the worst happen, the nominal fee is money well spent for the added protection. | A. Same as Homeowner Policy. |
| Q. During a recent earthquake, several of my dishes and an antique vase were broken. Does a typical homeowner policy cover the cost to replace these items? | A. No, a typical homeowner policy does not provide coverage for earthquake damage. | A. Yes, this endorsement includes protection for your contents as well as your home. However, additional protection is needed for any of your antiques. |
| Q. An earthquake caused my basement wall to crack. Does a homeowner policy provide protection to repair this damage? | A. No, a typical homeowner policy does not provide coverage for earthquake damage. | A. Yes, this endorsement includes coverage for your property that is damaged as a result of an earthquake. |
| Q. What's not covered that I need to be concerned about? | A. A typical homeowner policy does not provide coverage for claims caused by earthquake. | A. Claims caused by flood or tidal wave, and damage to exterior masonry veneer is not provided under this endorsement. Other conditions and limitations may apply. Contact your local independent agent for complete details. |