Why earthquake insurance matters

Why Earthquake Insurance Matters

With recent seismic activity near Summerville, earthquake insurance in South Carolina is becoming an important topic for homeowners who want to protect their property. While earthquake insurance in South Carolina isn’t always top of mind, recent activity around Summerville and the Charleston area shows why being prepared matters. Over the weekend of February 6, 2026, a 3.2–3.4 magnitude earthquake was felt near Summerville, with light tremors reported across Dorchester, Charleston, and nearby communities.

The Risk Is Real

Did you know that South Carolina sits on seismic zones like the Middleton Place–Summerville Seismic Zone, meaning small quakes happen more often than many people realize. On average, 10–15 earthquakes are recorded in the state each year, with several felt by residents. While most quakes in South Carolina are minor, history tells a different story. The 1886 Charleston earthquake caused massive damage, and if a quake that strong happened again today, the impact would be far more costly with modern homes and infrastructure.

Why Standard Homeowners Insurance Isn’t Enough

Here’s the key: standard homeowners policies do not cover earthquake damage. Without earthquake coverage, damage to your home or belongings could mean paying out of pocket.

The Benefits of Earthquake Insurance

Earthquake insurance provides financial protection when it matters most:

Protection for your home and belongings if they’re damaged or destroyed by shaking.

Peace of mind knowing you won’t face steep repair costs alone.

Flexible options, you can add quake coverage as a separate policy or as an endorsement to your existing homeowners insurance.

Earthquake Insurance Is More Affordable Than You Think

Many homeowners worry that earthquake insurance will break the bank. That is false! Coverage is surprisingly affordable depending on your deductible and coverage limits. For example, deductibles are often based on a percentage of your dwelling coverage (like 10–20%). Premiums are reasonable compared to the potential cost of repairs without coverage.

Schirmer Insurance Group Can Help Protect What Matters

Don’t wait until it’s too late.
✔ Review your current policy to see what’s covered
✔ Help you add earthquake coverage or endorsements
✔ Explain costs, options, and what makes sense for your home or business

Contact Schirmer Insurance Group today to make sure you’re covered before the next shake.