It’s worth considering. Tennessee sits on two active seismic zones, and standard homeowners policies exclude earthquake damage.
The East Tennessee Seismic Zone runs through the valley around Knoxville and Chattanooga and produces frequent small earthquakes, including a magnitude 4.4 quake near Decatur, Tennessee in 2018. The New Madrid Seismic Zone in West Tennessee produced very large earthquakes in 1811 and 1812, and Memphis is among the most exposed cities in the central U.S.
Earthquake coverage is added by endorsement or a separate policy, usually with a percentage deductible. In much of Tennessee it costs less than people expect, so it’s worth getting a quote.
Questions about your own policy? Ace Insurance Consultants in Knoxville helps homeowners and drivers across Tennessee compare options from multiple carriers.
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