What is Earthquake Insurance?
Earthquake insurance helps you recover from one of nature’s most unpredictable disasters. Standard homeowners and renters policies typically don’t cover earthquake damage, but a dedicated policy can help you rebuild and restore what matters most.
Insure Your Property From:
Structural Damage
Personal Property Loss
Additional Living Expenses
Land/Soil Movement
Aftershock Damage
Debris Removal
FAQ
Is earthquake insurance included in my homeowners policy?
No, most homeowners and renters policies exclude earthquake damage. You need a separate earthquake policy to be covered.
What does earthquake insurance cover?
It covers repairs to your home, detached structures, and personal belongings if they’re damaged in an earthquake. Loss of use coverage is often included, too.
How do earthquake insurance deductibles work?
Deductibles are typically a percentage of your home’s insured value, not a flat dollar amount. They usually range from 5% to 25%.
Who should consider earthquake insurance?
Anyone living in a region prone to earthquakes, or whose home would be financially difficult to repair or rebuild, should consider this coverage.