Most homeowner’s insurance in Kansas doesn’t cover an earthquake unless you specifically add it to your policy. Since the risk is very low, most homes in the Bourbon County area can be insured against earthquake damage for a few additional dollars per month. Be aware that the way deductibles are handled for earthquakes can be different than the way it is handled for other types of damage.
Even if you want coverage, you may not be able to get it right now. At least one local insurance company is unable to write earthquake insurance today. Its underwriters refuse to issue policies in this area due to the recent tremors. Other companies will let you add coverage with a simple phone call.
If you are unsure of your coverage, your insurance agent can let you know what your policy covers and what options you have.