Washington Earthquake Insurance Coverage

An earthquake is one of the most devastating events that can happen. Your homeowners/renter’s policy will not work in the event of an earthquake. To protect yourself and your property against this, an earthquake insurance policy is specially made for this kind of disaster.

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Earthquake Insurance Benefits & Coverage

Dwelling Coverage
In California, only 10% of people purchase insurance against these risks. In Washington, the number has risen to 11.3%, and in New Madrid, it has dropped to 12.7%. Dwelling coverage helps cover the home up to its included amount.

Personal Property Coverage
The furniture. computer and TV are most likely included when buying a policy. However, you can get more coverage when you buy additional breakable coverage.

Additional Living Expenses
Is the term for the expenses you incur while relocating to another location. While some homeowner's policies cover earthquake damage, many don't. Earthquake insurance can help cover the costs of temporary living expenses, such as food and hotel stays.

Cost To Remove Debris
The most likely types of homes to be damaged by an earthquake are wood-frame homes, multi-story buildings, and brick homes. Earthquake insurance can cover the cost to remove the debris damage to your property due to the earthquake.

Why Buy An Earthquake Insurance

Important questions most of our clients asked are: “Do I need an earthquake insurance policy?” To answer this is yes! Even though your house is located where earthquakes are rare, you should acquire at least the standard policy. According to a study, all 50 states in the USA are likely to experience these ground-shaking events. Most people think that the policy is expensive, however, buying coverage can cost $800 per year, this will work with $500,000 worth of coverage.

It's crucial to have this coverage because of the high possibility of earthquakes damaging your home. Most policies allow you to set a deductible of 5%, 10%, 15%, or 25% of your dwelling coverage limit. That way, you'd pay a deductible of $45,000 if your home were destroyed by an earthquake, and your insurer would pay the rest.

Earthquake insurance covers damage caused by earthquakes, volcanoes, and other seismic events. It also specifies a period for a single event. The payout will pay for repairs and replacements to your home, other structures, and personal belongings. It also covers earthquake-related land stabilization and loss-of-use coverage. This policy is beneficial for earthquake-prone areas and those with a lot of buildings made of brick, stone, or clay.

While earthquake insurance is useful for reducing losses from earthquakes, it can be very costly, especially if your home is located in a low-risk area. In such areas, some policies will not cover the full cost of repair or rebuilding, make sure to check the state and local laws before deciding to buy a policy. This can save you thousands of dollars in the long run.

What's Cover & Not?

Protect Your Investment Against Earthquake

The standard homeowner policies don't cover earthquakes. But you can add earthquake insurance as an endorsement to your policy. The coverage includes the pay—for repairs to your dwelling and any other structures attached to it. If an earthquake causes damage to your personal property, it will cover the cost to remove debris. Additionally, it may even pay for extra living expenses.

The type of insurance you purchase depends on the state where you live. For example, Californian homeowners insurance is required by law to include earthquake coverage because of the high risk of seismic earthquakes. Some states do not require to have them, however, they can help you protect against quakes. Also, earthquakes can be caused by modern disposal methods. So, earthquake insurance may be worth considering even if you live in a state with a low risk of seismic activity.

Part 1: Dwelling Coverage: Sometimes referred to as Coverage A which covers home up to included amount, but not excluded with the following:

Your homeowners’ policy limit will be the same as your earthquake insurance.
The deductibles may range between 5%, 10%, 15,%, 20%, and 25%.
Most earthquake policies excluded landscaping, pools, fences, masonry, or separate buildings.
Renting or owning a condo, does not need to buy a policy.

Part 2: Personal Property Coverage. Also known as Coverage C which covers the things inside your home, like furniture, TVs, and computers.

A $5,000 standard limit which you can increase up to $200,000.
The deductibles may range between 5%, 10%, 15,%, 20%, and 25%.
More coverage can protect you if you purchase additional breakable coverage.

Part 3: Additional Living Expenses/Loss of Use. A Coverage D provides temporary and extra costs to live somewhere else like hotels, while your house is inhabitable or being repaired.

Typically covers temporary rentals of homes, apartments, and hotel rooms, as well as restaurant meals, temporary telephone lines, furniture rental, and laundry.
The deductibles may range between 5%, 10%, 15,%, 20%, and 25%.
More coverage can protect you if you purchase additional breakable coverage.
The limit can range from $1,500 up to $100,000.

Emergency repairs coverage pays for the cost of replacing damaged items. It typically covers 5% of your dwelling and/or personal property limit. The premium will be determined depending on your deductible. Earthquake insurance deductibles will vary, but most are between ten to fifteen percent of the total rebuild value of your home. For homeowners who are concerned about their deductible, they can purchase earthquake insurance that will cover these costs.

Whether you need it or not, it is best to understand how a single event can wiped-out all of our dreams. Prevention is always better than cure, protect yourself and your assets by buying an earthquake insurance policy, which can be beneficial shortly. Or especially if you are in a high-risk quake area.

Flood Insurance Experts

What Happens If My House Is Destroyed In An Earthquake Without Policy

If you are planning to buy a flood insurance policy, you should assess if your house land in a flood-prone area. Many communities can qualify for a policy through FEMA. However, if you live in an area where flood maps change frequently, you may not be able to find one without getting a quote. Vice versa, if you live in a high-risk area, you can purchase a separate policy from a private company.

A typical flood insurance policy will pay for the replacement costs of your home after a flooding event. It does not cover losses that happen before the flood. Moreover, you cannot increase the amount of coverage once the flood starts. In some areas, flood insurance is necessary, but there are also some exceptions. Generally, a flood insurance policy costs about $260 annually for a $100,000-per-inclusion limit. While this is a good start, you must ask if you need a policy.

Some areas are required to have an insurance policy by the federal government. In many cases, the insurance coverage is less than what you need, but the amount is still significant. And a flood insurance policy will provide you with peace of mind.

Washington State, Earthquake & Flood Insurance Trusted Provider

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News & Blogs

Weekend Emergency Dentist Tulsa | Open Saturday & Sunday

Emergency Dental Tulsa

December 19, 2025•4 min read

If you’re searching for an emergency dentist open weekends in Tulsa, it’s usually because your tooth chose the least convenient time possible to start a fight. Friday nights, Saturdays, and Sunday mornings are prime time for broken teeth, lost crowns, and toothaches that suddenly go from “annoying” to “unignorable.”

Weekend emergency dental care exists for one simple reason: real problems don’t wait until Monday. If you’re in pain, swelling is involved, or something broke, you deserve fast help—not a voicemail and a calendar invitation for next week.

Call Now for Same-Day Emergency Dental Care

What counts as a weekend dental emergency?

The weekend becomes an emergency when you have:

Tooth pain that’s severe, throbbing, sharp, or worsening
Facial swelling or swollen gums
Fever with dental pain
A broken tooth (sharp edge, exposed tooth, sensitivity)
A crown or filling that fell out
Dental trauma from sports, falls, or accidents
Bad taste or drainage (possible infection)

If it keeps you from sleeping, eating, or focusing, that’s not “minor.”

Why waiting over a weekend can make things worse

Here’s the ugly truth: dental problems tend to progress when ignored.

Cracks spread into fractures
Exposed tooth structure becomes more inflamed
Infection can worsen (swelling and pressure increase)
You lose the chance for simpler, cheaper fixes

Also, Monday morning is when everyone who “tried to tough it out” calls at the same time. Weekend care can save you from days of waiting and misery.

What a weekend emergency dental visit can actually do

Weekend care isn’t just “look and leave.” Depending on the situation, you may get:

Emergency exam and X-rays
Stabilization to stop pain and protect the tooth
Temporary fillings or protective restorations
Crown re-cementing or temporary coverage
Treatment planning for urgent follow-up
Extraction when a tooth can’t be saved

The goal is to stabilize and improve your situation fast—so you’re not stuck suffering.

Weekend scheduling tips (how to get seen faster)

If you want the best shot at a weekend appointment:

Call early in the day
Clearly describe symptoms (pain level, swelling, fever, trauma)
Mention if you can’t sleep or eat normally
If a crown fell off, share whether the tooth is sensitive or painful

If it’s after hours, use our 24/7 phone support to get guidance and the soonest available slot.

Insurance, cash pay, and payment plans

We make weekend emergencies simpler financially too:

Most major dental insurance accepted
Cash pay welcome
Payment plans available (where offered)

No insurance? Still call. Early stabilization is often the least expensive version of an emergency.

What to bring to your weekend appointment

Photo ID
Insurance card (if applicable)
Medication/allergy list
The crown or broken piece if you have it
If a tooth is knocked out, keep it moist (milk/saline) and bring it

What NOT to do at home

Don’t place aspirin directly on gums (it can burn tissue)
Don’t “test bite” on a cracked tooth
Don’t ignore spreading swelling
Don’t chew sticky foods if a crown is loose or missing

Tulsa weekend coverage areas

Weekend calls come from all over:

Downtown Tulsa
Midtown Tulsa
South Tulsa
Broken Arrow
Owasso
Jenks and Bixby

Related Emergency Dental Care in Tulsa

Call Now for Same-Day Emergency Dental Care

FAQs

Are you open Saturday and Sunday?
Weekend appointment options are available. Call for the soonest opening.
Do you take insurance on weekends?
Yes—most major dental insurance is accepted.
What if I’m paying cash?
Cash pay is welcome, and we’ll explain options before treatment.
Are payment plans available?
Payment plans may be available depending on provider.
Is swelling urgent?
Yes—especially if it’s worsening or spreading. Call immediately.
Can you fix a crown that fell off on the weekend?
Often yes. Bring the crown with you.