Looking for Earthquake Insurance in Portsmouth?
When many people think of insurance, they think of their house, their car, and maybe life insurance. What many people don’t think about though is earthquake insurance.
While earthquakes don’t strike regularly, it only takes one minor tremor to cause significant damage to your home’s foundation, resulting in tens of thousands of dollars in damage if not more.
At Portsmouth Atlantic Insurance, we take protecting your house very seriously, and that means not leaving any stones un-turned.
When we talk about insurance, the entire purpose of insurance is to transfer risk to an insurance company, therefore protecting your assets should the worst happen. Being that your home is most likely your most valuable asset, it only makes sense to explore the benefits of earthquake insurance. If you own a luxury or custom-built property, it’s also worth understanding how high-net-worth homeowners insurance differs from standard coverage.
Homeowners insurance does not cover earthquakes
In many New Hampshires, earthquake insurance is sold as a stand-alone policy, meaning that is does not come as a part of your homeowners policy. Homeowners policies don’t cover earthquakes in any way, so it’s important to understand this catastrophic exclusion that exists in your coverage. It’s also helpful to understand how homeowners insurance differs from a home warranty, since each protects against very different types of risks.
Earthquake Insurance Coverages
Like homeowners insurance, earthquake insurance’s main duty is to protect your home. Understanding when homeowners insurance covers broken windows can also help illustrate how standard policies differ from earthquake protection. This means the most important coverage limit on your policy is the “Dwelling Coverage” limit, which is designed to cover the main structure of the home.
There may also be coverage for personal property as well.
You will also have a deductible, which can vary by carrier and policy. Like homeowners insurance, the higher deductible you take, the lower your premium will be. If you’re looking for additional ways to reduce insurance costs, there are several ways to lower your homeowners insurance premium without overlooking important coverage.
What our clients say
From our client surveys. Comments are lightly edited for typos only.
Jon is super helpful and amazingly communicative. He responds fast with well thought out answers making the process of getting insurance for my home and car super simple.
Very informative, responsive, and helpful with answering any questions we had. Helped us get the best deal and coverage, explained the differences between coverage options, and let us choose what worked best for us. Highly recommend!
Excellent guidance on insurance options and fantastic quoting and onboarding experience. We trust their recommendations and feel that we have best coverage for peace of mind at best possible cost.
How to get started on your Earthquake insurance quote
To get started on your quote, call our office or click over to our quotes page. Either way, we’ll make the process simple!
By Jon Merwin, Founder and CEO
Jon founded Portsmouth Atlantic Insurance in 2005. We are a family-owned independent agency licensed in 10 states, we compare coverage from 40+ carriers, and we are the most-reviewed independent insurance agency in New Hampshire, with 1,000+ Google reviews and over 2,000 testimonials. Meet our team.