OKLAHOMA CITY - Earthquakes across the Sooner State are causing some Oklahomans to tremble.
Monday night, a 3.9 magnitude earthquake hit four miles northwest of Jones.
It's just the latest in a string of quakes making headlines since the weekend.
The shaking and moving is now causing some Oklahoma residents to consider earthquake insurance.
Robert Mitchell says, “The last thing I thought about living in Oklahoma was worrying about earthquake insurance."
They aren't as violent as some you see across the world but recent Oklahoma earthquakes seem to be getting stronger and causing more damage.
Over 20 were recorded in the metro in just seven days.
The epicenter for the 3.9 magnitude quake on Monday night was recorded in Robert Mitchell’s front yard
Mitchell says, “We were sitting here on the couch last night about 10 p.m., watching the end of the NFL football game and the house started shaking and rumbling.”
Mitchell says Monday night was a lot stronger than the usual tremble.
That has him thinking, what if they had suffered any damage?
Oklahoma Insurance Commissioner John Doak says, “If you’re feeling it or you’re seeing cracks in your house, it might be too late.”
Commissioner Doak says the catch is earthquake damage isn't covered with your traditional homeowner's policy.
Deductibles on earthquake insurance range from 2 percent to 10 percent, but Doak says it's up to you to decide whether the protection outweighs the cost.
“They’ve worked a very long time to pay for their home. We have many Oklahomans with their homes paid off,” says Doak. “They'll be disappointed to find out that they don't have coverage"
Alice Young, a public insurance adjuster, doesn’t think it’s worth the cost.
She says those deductibles are way too high.
"I just think that we haven't seen anything that severe yet,” says Young. “If you have a $200,000 home policy limit you have to reach $20,000 in damage before you can get anything paid."
She also says Oklahomans should know the option is there if they want it and Robert Mitchell says he is sold.
Mitchell says, “Last night was different and we could tell.”
Right now, insurance agents do not have to tell you earthquake insurance is separate.
State Rep. Mike Shelton has plans to file legislation to change that in the future.