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Earthquake Coverage

Earthquakes are not common on the east coast, but they can and do happen.  Earthquake coverage is excluded on Rockingham Group property policies because it doesn't fall in the realm of normal occurrences.  However, an endorsement may be added for property coverage for earthquakes.
 
The most common earthquake endorsement for a homeowners policy provides coverage for direct physical loss to property that is covered under Coverages A, B, & C and is caused by an earthquake.  A single earthquake occurrence is 168 hours or 7 days - this covers the earthquake, aftershocks, and tremors.

Crack in Brick Wall

Exterior masonry veneer coverage is excluded from the endorsement, unless you specifically request to add it. Other exclusions are damages cause by:

  • Flood cause by earthquake
  • Landslide subsidence, erosion, etc., unless caused by earthquake
  • Cost of filling land

This endorsement comes with the option of a 2%, 5%, 10%, 15%, or 20% deductible, but the deductible will not be less than $250 per occurrence under each coverage.

Additional endorsements are available. Contact your local agent for more information.