Do I Need Earthquake Insurance in North Carolina?
24 August 2020

Earthquake is not covered on a renters, home, condo policy or standard business property policy .  You have to purchase earthquake insurance.  In most states, including North Carolina, earthquake insurance can be added to your policy as an endorsement.  If you have it you will see it listed on the declaration page of your policy.

Why Do I Need Earthquake Insurance?

Earthquakes can damage your property in many ways but one of the most destructive is when the foundation of your structures is damaged.  This kind of damage can be expensive to repair and you may have to live somewhere else until it is repaired if the structure is not safe.  Earthquakes can cause other types of damage to your structure and your belongings that would be costly to repair or replace.

If you are interested in the history of earthquakes in North Carolina check out this piece written by a local news station.

If you have any concerns it is worth a phone call to your agent to discuss it.  Call O’Connor Insurance today 704-510-8884 or visit our website for more information.

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President

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O’Connor Insurance Associates is fully licensed to provide personal and commercial insurance solutions for individuals, families and businesses across North Carolina.

We proudly serve families and business owners from our office in Charlotte, North Carolina. As an independent, family-owned agency since 2000, our team works with more than one insurance company to make sure homeowners, drivers, contractors, landscapers, small businesses and other personal and commercial clients receive coverage that fits their real risks.

About the Author

President & Founder

I’m Terry O’Connor, President and Founder of O’Connor Insurance Associates. I grew up in Pennsylvania, earned my bachelor’s degree at Edinboro University and my master’s at Gannon University, and in 1998 I traded snow for sunshine and moved to Charlotte. In January 2000, I started this agency on my own because I wanted to help people protect what matters most to them. More than two decades later, we’ve grown into an independent agency serving families and businesses across North Carolina, and we’ve been recognized as an IIABA Best Practices Agency every year since 2010, a distinction held by fewer than 1% of agencies nationwide.

I’ve seen firsthand how the right protection can change a family’s or a business owner’s life, and that’s why I lead with empathy, education and honest advice. As an independent agent, I work for you, not for one insurance company. I take the time to explain your options in plain language, and when you call our office, you reach a real person who knows your account.

Outside the office, you’ll usually find me outdoors hunting or fishing, or on the mat coaching wrestling as an assistant varsity coach at Mallard Creek High School. I’m also a proud supporter of the arts, usually in the front row cheering on my daughter in local theater productions. I’d be glad to review your coverage with you. Call me at 704-510-8884 or email terry@oianc.com.

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