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Earthquake Insurance in Missouri
Eastern Missouri sits within reach of the New Madrid Seismic Zone, one of the most active earthquake areas in the central United States. Standard homeowners and business policies do not cover earthquake damage, so the cost to repair a cracked foundation or rebuild after a quake would fall on you.
Nothum Insurance helps families and business owners across Washington and Eastern Missouri add earthquake coverage, which is often more affordable than people expect.
What Earthquake Coverage Can Include
• Damage to your home or building from shaking
• Personal belongings and business contents
• Additional living expenses if you can't live in your home during repairs
• Business income if a covered quake forces you to close
• Debris removal
Earthquake coverage can usually be added to a homeowners policy by endorsement or purchased as a separate policy.
How Earthquake Deductibles Work
Earthquake coverage usually has its own deductible, figured as a percentage of your dwelling coverage rather than a flat dollar amount. For example, a 10% deductible on a home insured for $300,000 would be $30,000. We'll show you the deductible choices and how each one affects your premium.
Is Earthquake Insurance Worth It in Missouri?
Major earthquakes are rare, but when they happen the damage can be widespread and expensive, and disaster aid is usually limited to loans. Earthquake coverage is worth considering if you have significant equity in your home, an older brick or masonry building, or a business that couldn't afford to rebuild on its own.
Serving Washington, MO & Surrounding Communities
Nothum Insurance proudly serves homeowners and businesses throughout:
• Washington, MO
• New Haven, MO
• Union, MO
• St. Clair, MO
• Pacific, MO
• Hermann, MO
• Warrenton, MO
• Sullivan, MO
• Franklin County, Warren County and Gasconade County
• And communities throughout Eastern Missouri
Ask us to add earthquake coverage when we review your home or business policy.
Contact Nothum Insurance
565 Harold Meyer Drive, New Haven, MO 63068
Phone: (636) 283-2012
Email: spencer@nothuminsurance.com
Hours: Monday to Thursday 8am to 5pm, Friday 8am to 4pm, Saturday by appointment
Missouri Agency License #3004329020