Earthquake Insurance

Earthquake insurance to suit your lifestyle.

Even with your homeowner’s insurance, you’re still at risk in the event of an earthquake. A specialty earthquake insurance policy can help bridge the gap in coverage, keeping your home and possessions protected.

Most homeowners policies don’t cover earthquakes.

You might think an earthquake event would be covered by your homeowners insurance, but that’s not usually the case. The vast majority of policies specifically exclude it, mainly because it’s a low-risk event, which means any payout is likely to be extremely high.

Covers damage or destruction caused by an earthquake.

The good news is that you can buy specific earthquake insurance to cover damage and destruction to both your home and your building. Generally, the deductible is far higher than with ordinary household insurance. Although policies cover damage to homes, the main aim of earthquake insurance is to cover the risk of total destruction.

Factors to consider when getting earthquake coverage.

Depending on your location, you may need to shop around for an earthquake policy. For example, in California, your homeowners insurance provider is required to also offer earthquake insurance, although they won’t necessarily offer the best deal. One thing to watch for is insurers that stop taking on new policies in an area several weeks after a major earthquake because of the increased risk of aftershocks.

How is the cost of earthquake coverage determined?

The costs of earthquake coverage depend on your specific location, the value of your property and the materials it is built from.

For more details about your earthquake policy options, contact us today.

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CUSTOMERS ARE SAYING...

Friendly local people that will work with you to get you what you need.

Ben Hearn

Creswell Insurance Agency is thorough, informative, relatable, knowledgeable, professional, and prompt. I highly recommend Terry Creswell for any and all of your insurance needs!

Tracye Davis

Terry is an awesome Agent very. Knowledgeable and fast!

Vernita Mateen (Beautifully Informed)

Enjoyed working with Terry for my insurance needs.

Deb Kaiser

Friendly and helpful!

Denise Roberts

Very attentive to my needs. Quickly provided the information I needed to make a decision. When contacted, gets back to you immediately.

Joe Anthamatten

Great group. I had an insurance claim on damage at my office building in Milan, and Terry handled it and got it paid quickly! 5 ⭐️

Nathan Nash

Terry is always prompt in answering or returning calls, is very personable, and knows what he’s talking about. I felt very taken care of right from the start!

Kimmie K.

Excellent Service and very reasonable rates for both auto and homeowners insurance. We would highly recommend to others. Andrea McGhee

Andrea McGhee

I joined Dave Ramsey's Financial Peace University course in July 2021, and it was very insightful. My Husband and I also purchased our 1st home together and needed to focus on getting more affordable Home Owners insurance. I referred back to ramseysolutions.com website and located an ELP Homeowners insurance provider in the person of Mr. Terry Carroll. Shared our situation that we were overly insured and needed to reduce our coverages. He provided the BEST Quote for Home and Auto! We are Truly Blessed and highly recommend Crewell Agency to anyone needing the Right insurance coverage.May God Richly Bless You Mr. Carroll!Andrea McGhee

Ang Carnes

I have been doing business with Creswell Insurance Agency for over 25 years. I hate to say it, but in those 25 years it seems I have had more than my share of bad luck! From roofs, to wrecks, to vehicle break downs, I have been through them all.The great folks at Creswell have been there for me every time. A tornado passed over our subdivision about 20 years ago. I asked Terry to check on my roof. The next morning they were there to look at it, and I had a check in my hand immediately. About 10 years ago I was "T-Boned" at an intersection. My car was totaled. The next day I got a copy of the accident report to Terry and, the next day I picked up my check for the full price of the car.More recently, last Thanksgiving in Cullman Alabama, our car broke down on Saturday afternoon. In the next 3 months, I had 2 other cars break down. In all 3 situations I called the 1-800 number that goes with my auto policy and EVERY time the response was really great. Fast, convenient, and didn't cost me a dime.Can't say enough good things about my friends at Creswell.Jimmie V. Leach

jim leach

Great service and very personable! I love the staff. I can call them with any questions or concerns and they are always available to help. I really recommend this company! I totally trust Terry Carroll and his expertise. I know he will always find the best insurance that fits our needs.

Lynn Davis

Creswell Agency has helped with insurance needs for our small business for years. Worker Compensation and General Liability primarily. They have always saved us money and been helpful with our questions in a timely manner.

Ginger Vanderheyden

Terry Carroll was very prompt in contacting me to assist in finding better insurance. He was very thorough and patient in answering each of my questions, and I was able to receive more coverage at a much better deal. I highly recommend Creswell Insurance Agency to others who are looking for a better deal and want to explore their options. Terry Carroll is knowledgable about the process, and clearly puts in the work to make sure that clients are well taken care of for the future.

Amy Wiens

I meant to email you a week or two ago, but I finally received my refund from my mortgage company for overpaying with my former home insurance provider ($991 over 6 months).Then, on top of that...my mortgage company has adjusted my monthly payments from $808 a month down to $637.Paid off my vehicle. Paid for a full year of your coverage on auto and my life is just changing almost daily.So thank you, thank you, thank you,Jay RobertsI never would have called if you weren't an ELP. That may not mean anything to others, but it does to me.

jay roberts

Being new in town, I was unsure what to expect. However, Terry walked me through every step and kept me well informed. He beat each of the other quotes that I received. I can see why Dave Ramsey endorses him as an ELP. Terry was helpful, attentive, friendly and listened to my needs.

Brandy H.

Terry provided me with information almost immediately. He comparison shopped my policies and I was happy with the results.

Eva Marie Mitchell

Terry was very professional and helpful with his recommendations for our new insurance policies. The policies we selected were less expensive than the policies we had and, addtionally, increased our coverage significantly. We have passed Terry's name along to multiple friends and family members based on our experience. Thanks Terry!

Crenshaw Family Tree

Glad to speak with someone who could answer my questions about coverage without stating they would get back to me.

Buddy Crenshaw

Good Insurance company

Tabitha Stevenson

These folks will go out of their way to help you out.

Shawn Rochelle

Terry Carroll knows this business. He is a pro. He follows through and takes it to the end zone. Glad I found him through the Dave Ramsey referrall

Greg Rogers

“How many people can say their insurance agent has called them after a hail storm went through, first to make sure you are ok, and second to make sure there was no damage? I can!”

- Mandy Latham Robertson

(731) 686-8241

2038 W Van Hook St., Milan, TN 38358

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