Property & Casualty — Personal
Earthquake Insurance
The ground can shift anywhere. Make sure your home is protected when it does.
Millions of Americans live in earthquake-prone regions, yet fewer than 15% of homeowners carry earthquake insurance. Standard homeowners and renters policies do not cover earthquake damage. A separate earthquake policy — through a state-sponsored program or a private carrier — is the only way to protect your home, belongings, and finances after a significant seismic event. We help you evaluate your risk and find the right coverage for your location and property.
What's Covered
- Dwelling coverage — repairs to your home's structure caused by earthquake shaking
- Personal property — replacement of furniture, electronics, and belongings damaged in a quake
- Loss of use — additional living expenses if your home is uninhabitable after a quake
- Emergency repairs to prevent further damage after the event
- Building code upgrade coverage for older homes requiring code-compliant repairs
- Masonry veneer and chimney coverage (endorsement-dependent)
- Higher-limit private policies for high-value or custom homes
Why It Matters
The 1994 Northridge earthquake caused over $20 billion in insured losses — and many homeowners found their standard policies covered none of it. Rebuilding after a major earthquake can easily cost $200,000 to $500,000 or more. With seismic risk present across much of the country and home values at record highs in many markets, earthquake coverage is one of the most consequential protection decisions a homeowner can make.
Common Questions
What is the deductible on earthquake insurance?
Earthquake deductibles are typically expressed as a percentage of your insured dwelling value — commonly 10–25%. On a $600,000 home with a 15% deductible, you'd pay the first $90,000 out of pocket. We help you balance deductible level with premium cost.
Is a state program my only option?
No. Depending on your state, a state-sponsored earthquake program may be available alongside private carriers offering potentially better terms, lower deductibles, or broader coverage. We compare all available options for your location.
Do I need earthquake insurance if I rent?
Renters should strongly consider a renters earthquake endorsement or separate policy. Your landlord's earthquake policy covers the building — not your belongings or additional living expenses if you're displaced.
Ready to get covered?
Talk to one of our advisors about the right policy for your situation. No pressure, no jargon — just honest guidance.