Second shake in a matter of months prompts some in metro to inquire about earthquake insurance

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KANSAS CITY, Mo. -- Monday, folks were still cleaning up substantial damage after Sunday`s 5.0 magnitude earthquake hit Cushing, Oklahoma. People felt it in other states including parts of Kansas and Missouri.

This is the second time since September that a quake in Oklahoma has been felt here in the metro. It has some folks here looking to protect their home with earthquake insurance.

It’s probably not something local homeowners would ever think they`d need. With the back-to-back quakes in Pawnee and Cushing, Oklahoma shaking up the local area, more have been asking about it.

"The whole moviehouse just shook and moved for maybe three or four minutes."

That’s what an Oklahoma woman told a news station there about the frightening moments of the Cushing quake.

Its tremors also caught the attention of folks many miles away near Wichita. Alan White of Bel Aire, Kansas spoke with station KWCH and said, "This one seemed to be the worst by far. The first thing I thought was, did the foundation crack?"

Folks in the metro who have also felt shakes are now asking about earthquake insurance.

"Since our tremor about a month ago, and then the one over the weekend I've had several clients reach out to explore that option," said Maria Butz, branch leader of Crawford Butz & Associates.

The group offers a wide array of coverage including but not limited to, home, auto, commercial, and life. Butz, says earthquake insurance is offered by a lot of standard insurance carriers. It’s something you have to ask for, and have added.

"Whenever you're going to add earthquake insurance it's not going to be part of your standard policy most likely. So you're going to have to add that coverage, which maybe will have an impact on your premium. Likely it will cause an increase in premium," said Butz.

She says agents look at various factors in determining a plan that right for you, such as the type of your home, its location, and what deductible is appropriate for your household. Wichita resident Jill White told station KWCH that she added quake insurance about a year ago for $7 a month.

"We've had so many little tremors I just thought, this can't be a bad idea," said White.

Butz says what’s offered and how much it costs varies depending on the company you’re with and the plan you choose. She say you need to find out from your agent: If your home is eligible. Ask what your premiums will be, and what will be covered in your plan.

"I think it is something that people in our area should be aware of. I think it's absolutely important to be educated on what homeowners coverages are available to you,” said Butz.

She says renters may also be eligible to add earthquake coverage.



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