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.
One moderate quake can cause six-figure damage. In high-risk regions the standalone policy is essential; even outside known fault zones, quakes happen.
Is this for you?
Inside a Earthquake policy.
When this coverage pays off.
Foundation cracks from a quake
Earthquake coverage pays to repair foundation and structural damage.
Contents broken from shaking
Televisions, dishes, and collectibles destroyed. Personal property is replaced.
Temporary housing
Home is unsafe to live in during repairs. Loss-of-use pays for rental housing.
Plain-language answers.
Earthquake deductibles are typically a percentage of the dwelling limit (5–20%). It reflects the catastrophic nature of the risk.
Fire after a quake is usually covered by the homeowners policy; water damage is mixed — we walk you through the form.
Yes — both state programs and private earthquake markets exist. We compare them for you.
Ready for a Earthquake quote?
Fill the short intake form and we’ll shop across multiple carriers, or call us and we’ll get you a quote on the phone.