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If you haven't specifically requested it, then you're probably not covered for it. Earthquake and flood coverage are not normally part of a standard homeowner's, condo or renter's policy.

An earthquake hit 14 miles from Oklahoma City last Saturday at 12:10 p.m. with a magnitude of 4.5 on the Richter scale. It had a depth of 5.7 miles.

According to the Associated Press, more than 2600 quakes have struck Oklahoma this year - most of them registering at 2 magnitude or less. In 2010 there were less than 1,000 and in 2011, nearly 1,500 quakes.

Home insurance, condo and renters insurance policies generally do not cover damage caused by an earthquake, but coverage can be purchased as an endorsement to your home insurance or a separate earthquake policy. The cost of earthquake insurance varies from state to state. Contact ECI at (405) 373-2977 to find out what the costs would be for your home or to get a Oklahoma earthquake insurance quote.
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