Earthquake Insurance in Center, TX
If you own a home or business in Center, TX, a standard homeowners, renters or commercial property policy typically excludes earthquake damage. A separate earthquake insurance policy or endorsement fills that gap, and understanding what it covers can help you make an informed decision about your coverage.
Why Consider Earthquake Insurance in Texas? 
Even a moderate earthquake can crack foundations, shatter chimneys, shift structural walls and cause damage to an insured building’s contents. Repairing structures and replacing belongings can be costly, and without earthquake coverage, property owners may have to pay for such losses out of their own pockets.
What Does This Policy Cover?
A standard policy can include:
- Structural damage to your property
- Damage to attached structures, such as garages or porches
- Personal property losses, including furniture and electronics
- Additional living expenses if your home becomes temporarily uninhabitable
- Debris removal costs
Earthquake policies generally exclude flood and tidal wave damage, even when caused or compounded by an earthquake. Deductibles for earthquake coverage are often calculated as a percentage of your dwelling coverage limit rather than a flat dollar amount, and covered perils can vary significantly between carriers. Check your policy for specifics.
Who Should Consider Earthquake Coverage?
Homeowners, renters, landlords and business owners all face financial exposure if an earthquake damages their property. Since standard policies typically exclude these natural disasters, making alternative arrangements is highly advisable.
Insuring your property starts with knowing what your current policies leave out. Contact Shoop Insurance Agency LLC today to review your options and request a personalized quote.