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Earthquake Insurance in Grants Pass OR & Medford OR

It happened: a massive earthquake struck where you live. Now what?

If you're covered with an earthquake insurance policy, you are in good standing. But if you simply had homeowners insurance, the damage and repair is unlikely to be covered by the carrier if a quake strikes. Earthquake damage could severely affect what is most likely your most valuable asset: your home.

This is why it's important to equip yourself and your family with the coverage you need. Hart Insurance Agency provides earthquake insurance to clients in Grants Pass, Medford, Rogue River, Ashland, Central Point and surrounding areas across the state.

Understanding Earthquake Insurance

Depending on where you live, earthquakes can be rare, but they can have significant repercussions. Aside from incurring damage to sentimental items and causing unexpected problems, even a tremor can mean serious losses and subsequent home renovations. Rebuilding your home as is can be a costly process without the cushion of insurance.

Earthquake insurance can be tailored for a variety of budgets and circumstances. For example, rates may be lower for homes made out of wood versus homes made out of brick, as wooden homes are better at absorbing quakes. Your rate will also depend on your location and the probability of an earthquake occurring. Single-story homes are also less vulnerable to quakes than multi-story homes.

Personal property claims are another section of earthquake insurance. Instead of covering your home itself, these claims cover belongings such as furniture or electronics affected by the quake. Additional Living Expenses (ALE), or loss of use, covers costs to live elsewhere while your home is evacuated or under repair.

Anticipate the Unlikely

According to the United States Geological Survey's recent U.S. National Seismic Hazard Maps released in 2014, 42 of the 50 states "have a reasonable chance of experiencing damaging ground shaking from an earthquake in [a building's typical lifetime of] 50 years."

Consider the ramifications of an earthquake striking and your home being affected. You could have to pay to rebuild your home while also paying your existing mortgage, and for you and your family to stay elsewhere while your home is rebuilt.

Just as with flood insurance, you can add earthquake coverage to an existing homeowners policy or keep it separate. Excluding this coverage from your portfolio of protection could be disastrous. Contact us today to learn how we could help you.

Our Locations

Grants Pass Office

Grants Pass Office

321 SE I Street
Grants Pass, OR 97526
Main office: 541-479-5521
Fax: 541-474-1890
Medford Office

Medford Office

1123 Royal Ave.
Medford, OR 97504
Main office: 541-779-4232
Fax: 541-772-3963

Our Providers

Testimonials

I would like to share with you the exceptional service I got from Heidi Lloyd over the last few months. She worked with me to get my car repaired after I damaged it. It was a horrible experience and I was not looking forward to dealing with insurance issues/claims and then a potential increase in premium, etc. Heidi made it all work smoothly and simply without a hitch. I could not have expected a better outcome. Following that ordeal, she answered all my questions about my auto policy increase and pursued getting my policy reevaluated which resulted in premium savings! She not only did an outstanding job in terms of efficiency, responsiveness and outcome, she has great customer service skills and was very personable. Your office has handled my insurance needs for decades and it’s always been super, but Heidi made it even better.

Sally
I spoke with Deanie yesterday for my son who was looking for car insurance. She went above and beyond helping him. Great people with great integrity. #1 in my book!

D. Murphy
Very attentive and work well for both my business and personal insurance needs. Best agents I've had in a long time!

L. Mystics