Consumer Alert: Insurance department offers answers about earthquakes – Osage County Online | Osage County News

Consumer Alert: Insurance department offers answers about earthquakes

TOPEKA, Kan. – In light of recent Oklahoma earthquakes, Ken Selzer, Kansas Commissioner of Insurance, reminds Kansans that the Kansas Insurance Department can assist homeowners in answering questions about earthquake insurance coverage.

The insurance department’s Consumer Assistance Hotline, 1-800-432-2484, is staffed by representatives who can assist consumers. Additionally, the department’s online chat feature, available at, allows consumers a live chat with a representative from 9 a.m. to 4 p.m. Monday to Friday.

Earthquake insurance coverage in Kansas requires a separate policy or endorsement to a regular homeowners insurance policy, according to Selzer.

“Earthquake coverage is not a part of a regular homeowners, renters or condominium insurance policy,” Selzer said. “If your insurance company offers it – and many do – coverage can be added by including an endorsement to your policy or by purchasing a separate earthquake policy.”

In either case, he said, there will be an extra premium. Instead of a dollar amount, the deductible for that premium will probably be a percentage of the cost of rebuilding your home. There might also be a separate deductible for the home’s contents.

One other major factor is timing for coverage.

“The time to buy the coverage is before an earthquake,” Selzer said. “Most insurers won’t sell any new earthquake insurance for 30 to 60 days after a recent earthquake. Check with your insurance company or local insurance agent to be sure. Those who already have earthquake coverage should check with their agent regarding the details of that coverage.”

A survey by the Insurance Information Institute shows that only 8 percent of homeowners in the Midwest have earthquake insurance. In Oklahoma, 15 percent of homeowners have the coverage.

Information thanks to Kansas Insurance Department.

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