Earthquake Insurance

What Is Earthquake Insurance?

Earthquake insurance protects your property from damage caused by earthquakes and related earth movement. Standard homeowners policies exclude earthquake damage, making this specialized coverage essential if you live in or near seismically active areas.

Why You Need Earthquake Insurance

• Standard home policies exclude earthquake damage
• Earthquakes can cause catastrophic property damage
• Essential protection in seismically active regions
• Covers structural damage and personal property loss
• Protects your most valuable asset

Common Coverages

Dwelling coverage pays to repair or rebuild your home's structure after earthquake damage. Personal property coverage replaces damaged belongings. Additional living expenses coverage pays for temporary housing while your home is being repaired. Loss of use coverage compensates for rental income loss on investment properties. Policies typically include higher deductibles than standard homeowners insurance, often expressed as a percentage of coverage.

What Does Earthquake Insurance Cover?

Coverage includes damage from earth shaking, landslides triggered by earthquakes, and volcanic eruption. It covers your home's foundation, walls, roof, and contents. Most policies also cover detached structures like garages and fences. Review policy exclusions carefully, as some may not cover pools, landscaping, or masonry fences.