With the backdrop of the devastation in Haiti fresh in people’s minds, New York insurance regulators are not ruling out a similar event in their own state, a key reason they say insurers should promote the opportunity to buy coverage for such a devastating occurrence.
Here's something I found for Canada.
Anyone who lives near a fault line - and that includes parts of British Columbia, the Ottawa Valley, and parts of Quebec, particularly around Montreal - should consider this coverage. But earthquake activity is not limited to those areas; Cornwall, Ont., and the Miramichi region of New Brunswick, not normally considered hot spots, make the list of the top 15 quake sites of the past century in Canada.
You have got to add Hamilton to that list! I do not have earthquake insurance on this house. I am a slacker! I should have had it on the old house.
You are in trouble if
-you have a beautiful restored old brick house
-your dishes actually rattle when a truck zooms by
-it's so easy to dig deep holes in your backyard
-you have settlement cracks in your brick
-marbles on your floor all roll to one side
-you live anywhere near Hamilton on a filled swamp
Get the earthquake insurance! You can expect 50 cm/s PGV, and about 5-10 cm of object displacement. Enough to knock down bricks.
Those of us who don't need insurance (don't have the above) should:
-learn how to repair drywall
-fasten down anything breakable
-don't put all your son's hockey trophies over his bed.
-use the damn fastening strap on those flimsy ikea bookshelves! (betcha don't!)
Expect drywall damage, 1-5 cm/s PGV, 1 cm object motion. Enough to spill your coffee, and knock down your Royal Dalton.