Earthquake Insurance
Standard home and landlord insurance policies don't cover earthquake damage. Earthquake insurance helps you repair your home, replace your belongings and pay for a place to stay after a quake.
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Why earthquake insurance matters
Earthquake damage is excluded from standard homeowners, condo, renters and landlord policies, so a separate earthquake policy is the only way to cover it. We work with private earthquake insurance carriers to find coverage that fits your home and budget.
Private earthquake carriers often offer more flexibility than people expect: a choice of deductibles, coverage limits that match what it would cost to rebuild your home, and coverage for your belongings and extra living expenses while your home is repaired.
Who needs Earthquake Insurance?
What does Earthquake Insurance cover?
Every policy is customized to you. Here's what this coverage typically includes.
Dwelling
Repairs or rebuilds your home after earthquake damage.
Personal property
Furniture, electronics and other belongings damaged in a quake.
Loss of use
Temporary housing and extra living expenses while your home is repaired.
Building code upgrades
Many policies help pay to bring repairs up to current building codes.
Deductible choices
Percentage deductibles, commonly 5% to 25%, to balance price and coverage.
Condos, renters & rentals
Earthquake coverage for condo owners, renters and landlords too.
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Earthquake insurance questions
Does homeowners insurance cover earthquakes?
No. Earthquake damage is excluded from standard homeowners, condo, renters and landlord policies. You need a separate earthquake policy.
How does an earthquake deductible work?
Earthquake deductibles are usually a percentage of your dwelling coverage and usually range from 5% to 25%. A higher deductible lowers your premium.
Why choose private earthquake insurance?
Private carriers often offer flexible deductible options, higher coverage limits and broader coverage for belongings and extra living expenses. We compare private earthquake carriers to find the right fit for your home and budget.
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