Is everything around you shaking. Maybe it's another earthquake. If you live near Reno, Nevada we have been experiencing multiple quakes and primary epicenter is the Verdi/Mogul area. Most homeowners insurance owners have the ability to add earthquake insurance to their existing homeowners policy. If this is not an option, many independent insurance agencies (including ours) offers a stand alone earthquake insurance policy. In some cases these policies may even be less expensive than what your existing homeowners insurance carrier is offering. Especially if you plan to keep the policy for multiple years, because most stand alone earthquake policies do charge a policy fee and a dwelling inspection fee. The bottom line is if you do desire an earthquake insurance policy and your current homeowners insurance carrier will not bind coverage, you have the option of purchasing a stand alone insurance policy.