Utah Earthquake Insurance

Do You Have Earthquake Coverage?

If your home or business sustains foundation damage or cracks in the walls and ceiling due to seismic activity, the cost would be covered under our dwelling portion of our coverage. Do not go another month without this essential coverage. If you reside in Salt Lake City, Orem, Provo, or anywhere in between, complete the form below, and one of our agents will reach out to you as soon as possible.

Recently Northern Utah just sustained two earthquakes in this week, 5.7 and 4.6, respectively. And then a larger 6.5 magnitude earthquake happened in Idaho. Although they didn’t do much damage to homes, the “big” one has yet to occur. Are you ready for when the next earthquake happens? Getting earthquake insurance should be a consideration to protect your property from damage, whether you own a home, business, or both. Here are some statistics from the Utah Geological Survey Earthquake (UGS).

Earthquake Statistics

Here are some earthquake statistics from the Utah Geological Survey (UGS).

Large earthquakes of between 6.5 and 7.5 usually occur every 50 to 150 years in Utah, with the last large one in 1901 in Richfield (6.5). That was nearly 120 years ago, so we are due to have a big one.
Moderate earthquakes (with a magnitude of 5.5 to 6.5) happen about every 10 to 50 years, the most recent occurring in 2020.
Less severe earthquakes, which account for 5.0 to 5.4, occur every four years typically.
Minor earthquakes with less than 5.0 in magnitude happen approximately seven times a year.

Getting Earthquake Insurance

Adding earthquake insurance onto your insurance policy is usually done by adding an addendum to a homeowner’s or business plan. Typically, standard policies don’t include earthquake coverage, so if your home or business sustains damage in an earthquake, you won’t be able to collect compensation.

Not all home and business insurance providers offer this coverage as an option, so if that’s the case with your insurance company, it may be wise to switch providers. At Bear River Mutual Insurance, we offer earthquake insurance as an option, so we’d love to speak with you.

Don’t be left without earthquake insurance; let us help get you covered now.

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