We try to make it back to my home town every year for the big Labor Day picnic in my hometown, so that’s what we did over the weekend.

 

The Oklahoma earthquake was a big topic of conversation, just because of the novelty in this part of Missouri. Some slept through it and some felt the walls shake a little bit.

I was asleep at home in Republic at the time. I thought I felt shaking, but I just assumed it was a passing truck or something similar. I didn’t realize it was an actual earthquake until my folks asked me whether I’d felt anything that afternoon.

Earthquakes are one of four disasters that your home insurance doesn’t normally cover.

It’s also the cheapest and easiest of those four disasters to fix: Usually it’s just an endorsement to your existing policy.

It’s pretty cheap to add the earthquake endorsement, (mine adds about $55 to my yearly premium) but it usually comes with a pretty high deductible: At a minimum, you’re looking at 5 percent, and it’ll probably be closer to 10 or 20 percent.

And just in case you don’t know, that’s a percentage of your dwelling amount. So if your home is insured for $150,000, a 10-percent deductible means your insurance won’t pay the first $15,000.

If you have questions about earthquake insurance or anything else about insurance in Missouri, please give me a call. 417 708 9583