Earthquake Insurance

Earthquake insurance is a specialized type of property insurance that provides coverage for damages caused by earthquakes. It helps policyholders recover financially if an earthquake damages their property.

Do Homeowners Insurance Policies Cover Earthquakes?

Most standard homeowners insurance policies do not cover earthquake-related damages. As such, earthquake insurance is an important addition for homeowners in earthquake-prone regions.

How Much Does Earthquake Insurance Cost?

Earthquake insurance typically comes with a higher deductible, making it most beneficial if the home is completely destroyed. It may not be as useful for minor damage. The cost of earthquake insurance depends on several factors, including location, the likelihood of an earthquake in your area, and the materials used to construct your home. Homes built with wood may have lower premiums since they tend to withstand earthquakes better than brick homes.