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Homeowners policies do not cover earthquake damage; Reminder issued during

Government and private-sector officials across the country this week are testing their preparedness for a major earthquake, and Missouri’s top insurance regulator suggests consumers do the same. Insurance Director John M. Huff says consumers need to buy extra insurance to be covered for earthquake damage. Huff says standard homeowners and renters insurance policies specifically exclude earthquake coverage.

"Missouri consumers should talk to their insurance agent to determine whether they need

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