RICHMOND, Va. (AP) — State officials are reminding homeowners to review their insurance policies to see if they have earthquake insurance ahead of a new law that will require better disclosure if policies exclude such coverage.

The State Corporation Commission’s Bureau of Insurance says damage from earthquakes is excluded under homeowners policies unless the coverage is purchased as an addition to the policy.

A law recently passed by the General Assembly requires companies that exclude coverage for earthquakes to provide a written notice that conspicuously states that it must be purchased separately. It will apply to policies renewed or issued after Jan. 1, 2013.

Virginia homeowners insurance policyholders who do not have earthquake insurance will receive the notice with their policy when it comes up for renewal in 2013.

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