Personal Insurance
Earthquake Insurance, explained.
Standalone protection, homeowners insurance explicitly excludes earthquakes.
Earthquake Insurance
Earthquake insurance pays to repair structural damage to your home, replace damaged contents and cover loss of use after an earthquake. It is purchased separately from homeowners because the standard policy excludes earth movement.
Inside a Earthquake policy.
Dwelling damage from earth movement
Personal property
Loss of use / additional living expenses
Building code upgrade (often optional)
Debris removal
Is this for you?
Homeowners in seismic regions
Anyone with a mortgage where lenders recommend earthquake
Owners with valuable contents at risk from shaking
Anyone who couldn’t self fund a major rebuild
Owners of older or unreinforced homes
Plain language answers.
Why is the deductible so high?
Earthquake deductibles are typically a percentage of the dwelling limit (5 to 20%). It reflects the catastrophic nature of the risk.
Are fire and water from earthquake covered?
Fire after a quake is usually covered by the homeowners policy; water damage is mixed, we walk you through the form.
Can I buy through a private carrier?
Yes, both state programs and private earthquake markets exist. We compare them for you.
Coverages that pair well with this one.
Ready for a Earthquake quote?
A short form or a quick call. We’ll shop it across 50+ carriers and come back with options.