Every Homeowners policy has an “Earth Movement” exclusion, which means damage from an earthquake is excluded on your home policy. The state of Utah has more fault lines than most of us realize, and when the big one comes are you covered? In 2015, a study predicted that when the big one comes, 84,000 households are expected to be displaced with 53,000 people seeking shelter in Utah.

Essential lifelines of water, electricity, gas, and sewer will likely be out for days, months and some even longer! More than 300,000 structures in 30 days will need to be evaluated for safe occupancy, which will require about 2,400 building inspectors.

Depending on the time of day, there will be an estimated 2,000 to 2,500 deaths, and the estimated number of people injured and needing hospital care ranges from 7,400 to 9,300. The number of available hospital beds will be reduced from 4,790 to 3,200. Another challenge will be the removal of debris generated by the earthquake–requiring over 820,000 truckloads at 25 tons per truck.

One of the biggest concerns in coverage will be “Loss of Use.” Where will you go to live if your home is unsuitable? These Earthquake Policies have coverage for this. No matter who you are insured with on your home, we can offer you an Stand Alone Earthquake Policy with either a 5% deductible that has a Masonry (Brick) exclusion or a 10% deductible without the exclusion. We can insure both the actual home itself and your personal property or just the home itself.

The rates for this are far more reasonable than you think. There are some underwriting requirements to review so contact us to see if you qualify.