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In recent years, the amount of money people have to pay for their various insurance policies has become something of a concern as premiums continue to rise, but the coverage for many stays the same. However, there are still times when many people may be thankful that they didn't alter their policies to save a little money every month and may even want to add more coverage to better protect themselves and their properties. Such a case recently hit the state of Connecticut, which was rocked by a dozen small earthquakes in a short period of time, highlighting why agents may have to be ready to field anxious calls from policyholders.

A number of towns in Connecticut were recently shaken - literally - by 12 relatively minor but still unnerving earthquakes in less than a week, leading many to wonder whether their homes would be covered under their current insurance policies, according to a report from NBC Connecticut. That prompted many calls to home insurers across the state, with many consumers seeking information about adding such coverage.

""Everyone is getting scared and we have been getting numerous calls,"" local insurance agent David Tetrault told the station.

How will this move the market?
In general, experts in the area have noted that these quakes were so small that most people aren't going to be scared into taking on the extra cost - even if it adds as little as $10 per month or so to their policies, the report said. Likewise, there is some concern among people in the area who may be looking to sell their homes in the near future, but here, too, there's a belief that the tremors aren't enough to devalue the home in any kind of significant way.

The more insurance agents can do to help their clients understand the ins and outs of their coverage - including why it costs what it does, and what it will and won't cover in the event of a claim - the better off both sides of the situation are likely to be. In general, consumers tend to prefer high-quality customer service to the ability to save a little bit of money on their policies every once in a while, and these types of explanations may go a long way toward making people feel good about their policies going forward.

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