Fracked! Are you covered for man-made earthquakes?
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If a man-made earthquake damages your home, would your home insurance cover your losses? The answer lies in the details of your policy.

Standard homeowners and renters policies exclude damage from earthquakes, but you can typically purchase either an endorsement or a separate earthquake policy to add that protection. Earthquake insurance covers a building and its contents for damage from cracking and shaking caused by tremors.

However, earthquake coverage may exclude claims when human activity causes earth movements. Policy terms vary not only among states, but also among insurance companies in the same states. Check with your agent to find out what coverage you have and what additional insurance you may need.

Concern in the West

Earthquakes traditionally have been of highest concern in the western U.S., where Alaska, California, Hawaii, Nevada and Washington are the top states for natural earthquakes. However, scientists with the U.S. Geological Survey (USGS) say the number of earthquakes has been increasing since 2000 in the middle section of the country, in an area stretching from Alabama to Colorado to Ohio. The number of quakes in this part of the country has gone from an average of 21 annually between 1970 and 2000 to 50 in 2009, 8…………… continues on Fox Business

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