03/31/2026
Consider purchasing earthquake insurance for your home
Standard homeowners insurance does not cover earthquake damage, so you may need an added endorsement for protection. Now is a good reminder to review your coverage. While North Carolina rarely sees large quakes, smaller ones occur regularly, and the 2020 Sparta quake caused significant damage, much of it uninsured. Earthquake insurance can cover repairs, personal property, debris removal, and living expenses, though deductibles are typically a percentage of your homeโs value. Reviewing your policy annually helps ensure your home and finances are protected.