Earthquake Insurance

Earthquake insurance personalized to meet your needs.

Even with your homeowner’s insurance, you’re still at risk in the event of an earthquake. A specialty earthquake insurance policy helps bridge the gap in coverage, keeping your home and possessions protected.

Most homeowners policies don’t cover earthquakes.

You might think an earthquake event would be covered by your homeowners insurance, but that’s not usually the case. The vast majority of policies specifically exclude it, mainly because it’s a low-risk event, and any payout is likely to be extremely high.

Covers destruction or damage from an earthquake.

The good news is that you can buy specific earthquake insurance to cover damage and destruction to both your home and your personal belongings. Generally, the deductible is far higher than with ordinary household insurance. Although policies cover damage to homes, the main aim of earthquake insurance is to cover the risk of total destruction.

Factors to consider when getting earthquake coverage.

Depending on your location, you may need to shop around for an earthquake policy. For example, in California, your homeowners insurance provider is required to also offer earthquake insurance, although they won’t necessarily offer the best deal. One thing to watch for is insurers that stop taking on new policies in a high risk area several weeks after a major earthquake because of the possibility of aftershocks.