Having the proper earthquake insurance coverage is important – especially when you live somewhere that earthquakes are frequent. According to the U.S. Geological Earthquake Hazard Program
, there are about six earthquakes per year with a magnitude of 3.5 and greater in the state of Montana.
Despite what people tend to think, earthquake coverage is not a part of your homeowners insurance policy. This means if an earthquake were to happen, your existing policy would not cover the complete cost of damages. Earthquake insurance is a separate endorsement you must buy and add to your homeowners or renter policy.