[hmn186282]

I live in Ballwin MO and am shopping around for home owners insurance. Can anybody tell me if I need earthquake insurance. Also any good insurance agent you can think of?

[Mrs Captain]

From what I can tell, I think you are about 60miles from the nearest fault line. Do you need EQ insurance? Not sure, but here's a website that might be helpful: http://earthquake.usgs.gov/

[Dawn S]

Earthquake coverage has recently become a big conversation here in East Missouri. Even though we are not on the fault line we are in an earthquake zone. That being said, EQ coverage is a piece of mind coverage. If you are interested in discussing your insurance needs I am an agent in the area just e-mail me and I will be happy OT answer your questions.

[Emily]

Lol, no! Don't waste your money! I've lived in Missouri all my life and have only felt an earthquake ONCE! And it was actually just VERY faint tremors from an earthquake in another state. No, you'd just be wasting your money. However, you might want to get tornado insurance if you insist on getting some kind of natural disaster insurance. Or flood (highly unlikely but conceivable, specially since there was one in Ozark last week...)
I'd guess that your house is 10 times more likely to be sucked up by a tornado than rattled down by an earthquake.
Or, you COULD take the money you were going to spend on insurance and put it in a CD at your bank and at the end of 10-15 years you'd have enough money to pay for repairs yourself, and STILL have your money, not the insurance company!!!