With the recent heightened activity in the Oklahoma area, earthquake insurance is quickly becoming a topic of discussion. Many homeowner’s policies are starting to offer an endorsement to their insurance to cover earthquakes. But many of these policies exclude “man-made” earthquakes and they exclude damage done to brick veneer walls. This excludes most of the homes in Oklahoma. Stand-alone policies are available for purchase to individuals who either, cannot get an endorsement on their homeowner’s policy, the endorsement available does not offer adequate coverage, or they cannot get a low deductible. Stand-alone policies offer answers to all these issues. They offer low deductible plans that cover damage to brick veneer walls and cover man-made earthquakes. They are great options for individuals in a high earthquake prone area.