• Home
  • Get A Quote
  • Customer Service
  • Refer a Friend
  • About Us
  • Location Map
  • Employee Directory
  • Privacy Policy
  • Contact Us
Call Us Call Us Today | 412-882-9000
Home 
IIA
  • Home
  • Get A Quote
    • Automobile
    • Bonds
    • Business & CommercialImage of right arrow
      • Commercial Auto Insurance Quote
      • General Liability Quote Form
      • Business Owners (BOP) Quote Form
      • Builders Risk
      • Liquor Liability Quote Form
    • HealthImage of right arrow
      • Health Insurance Quote
      • Disability Insurance Quote
      • Long Term Care Insurance Quote
    • Homeowners
    • LifeImage of right arrow
      • Life Insurance Quote
      • Term Life Insurance Quote
    • Motorcycle
    • Recreational VehicleImage of right arrow
      • Recreational Vehicle Insurance Quote
      • Motorcycle Quote Form
      • Watercraft Quote Form
    • Renters
    • Watercraft & Boat
    • Workers Compensation
  • Customer Service
    • AutomobileImage of right arrow
      • Request ID Card for Auto Policy
      • Request Declaration and Coverages Page for Auto Policy
      • Add Vehicle to Existing Auto Policy
      • Remove Vehicle from Existing Auto Policy
      • Add Driver to Existing Auto Policy
      • Remove Driver from Existing Auto Policy
    • Business & CommercialImage of right arrow
      • Request ID Card for Commercial Auto Policy
      • Request Declaration and Coverages Page for Commercial Auto Policy
      • Add Vehicle to Existing Commercial Auto Policy
      • Remove Vehicle from Existing Commercial Auto Policy
      • Add Driver to Existing Commercial Auto Policy
      • Remove Driver from Existing Commercial Auto Policy
      • Request General Liability Certificate of Insurance
    • Health
    • HomeownersImage of right arrow
      • Request Declaration and Coverages for Existing Homeowners Insurance Coverage
      • Request Evidence of Insurance
    • MotorcycleImage of right arrow
      • Request ID Card for Motorcycle Policy
      • Request Declaration and Coverages Page for Motorcycle Policy
      • Add Motorcycle to Existing Policy
      • Remove Motorcycle from Existing Policy
      • Add Driver to Existing Motorcycle Policy
      • Remove Driver from Existing Motorcycle Policy
    • Recreational VehicleImage of right arrow
      • Request ID Card for Recreational Vehicle Policy
      • Request Declaration and Coverages Page for Recreational Vehicle Policy
      • Add Recreational Vehicle to Existing Policy
      • Remove Recreational Vehicle from Existing Policy
      • Add Driver to Existing Recreational Vehicle Policy
      • Remove Driver from Existing Recreational Vehicle Policy
    • Renters
    • Watercraft & BoatImage of right arrow
      • Request ID Card for Watercraft Policy
      • Request Declaration and Coverages Page for Watercraft Policy
      • Add Watercraft to Existing Policy
      • Remove Watercraft from Existing Policy
      • Change Primary Operator on Existing Watercraft Policy
  • Blog
  • Resources
    • Refer a Friend
    • Important Links
    • Calculators
    • Insurance Glossary
  • About Us
    • About McIlrath Insurance Agency
    • Location Map
    • Employee Directory
    • Customer Testimonials
    • Privacy Policy
  • Contact
    • Contact Us
    • Join Our Newsletter
Auto Insurance AUTO

Auto insurance protects you against financial loss if you have an accident.

Read More
Homeowners Insurance HOME

A standard policy insures the home itself and the things you keep in it.

Read More
Business Insurance BUSINESS

Discover the perfect insurance options to meet your specific and unique needs.

Read More
Life Insurance LIFE

Browse a variety of insurance options in order to find the right one for you.

Read More
Workers Comp Insurance WORKERS COMP

Learn about different workers comp coverage options that fit your needs.

Read More
Recreational Insurance RECREATIONAL

Finding insurance doesn't have to be difficult. We do the work for you.

Read More

Earthquake Insurance


Earthquake Insurance Information

Most home insurance policies do not provide protection against the damages that earthquakes can cause. For homeowners in areas that are prone to earthquakes, and even those with a history of quakes—no matter how rare—should consider the benefits of earthquake insurance.

With the protection of a traditional home insurance policy, the foundation damage and wall damage caused by an earthquake, as well as the value of any contents that are destroyed, would likely not be covered. Instead, an insured would have to pay out of pocket to repair and replace anything damaged. Earthquake insurance through a separate policy or as a rider on your home policy, offers you an easy way to provide an affordable layer of insurance protection that only comes into play when an earthquake strikes.

As with other insurance policies earthquake insurance has an annual deductible that you must pay before damages will be covered. Deductibles may be based on a percentage of the policy’s total limits, which can be a substantial amount and one that insureds must prepare for. Additionally, the policy will have limits that determine the maximum your policy will pay. Just as they are with traditional home insurance, earthquake policy limits should be based on the cost to rebuild your home and not on the sale price or estimated value. Premium costs for your policy will be determined by evaluating many factors including your home’s location, date of construction and the construction materials.

Having earthquake insurance does not mitigate the need for flood insurance. For example, if an earthquake causes a tidal wave, which, in turn, creates flood conditions, that damage would only be covered by a flood insurance policy. 


Facebook
Twitter
Google+
LinkedIn
Carriers
Carriers
Carriers
Carriers
Carriers
Carriers
Carriers
Twitter Logo

Resources

Home About Us Get a Quote Customer Service Newsletter Contact Us

Contact Us

  • Mailing Address
  • 4601 Clairton Blvd. (Rt. 51)
  • Pittsburgh , PA 15236
  • _
  • O: 412-882-9000
  • E: info@McIlrathInsurance.com
© Copyright. All rights reserved.
Powered by Insurance Website Builder