A standard homeowners insurance policy does not cover earthquake damage, leaving many properties vulnerable to costly repairs after a seismic event. Earthquake insurance provides financial protection by covering structural damage, personal belongings, and temporary living expenses if your home becomes uninhabitable.

Why Earthquake Insurance is Essential for Homeowners (Avoid Devastating Financial Losses)

Many homeowners underestimate the risk of earthquakes, assuming their standard policy will cover damages. However, without earthquake insurance, property owners may face:

• Expensive Repair Costs – Structural damage from even a moderate earthquake can cost tens of thousands of dollars to fix.
• Loss of Personal Belongings – Furniture, electronics, and valuables can be damaged or destroyed in a quake, resulting in significant replacement costs.
• Temporary Housing Expenses – If your home is unsafe to live in, earthquake insurance helps cover the cost of temporary accommodations.
• Mortgage and Financial Strain – Homeowners without coverage may struggle to pay for repairs while continuing mortgage payments, leading to financial hardship.

What Does Earthquake Insurance Cover? (Comprehensive Protection for Your Home)

Earthquake insurance policies typically provide coverage for:

• Dwelling Coverage – Repairs or rebuilding costs for structural damage to your home.
• Personal Property – Replacement of damaged belongings, including appliances, clothing, and furniture.
• Additional Living Expenses – Covers temporary housing, meals, and other living costs if your home is uninhabitable.
• Other Structures – Some policies extend coverage to detached garages, fences, and sheds.

While earthquake insurance does not cover flood damage (such as tsunamis caused by earthquakes), homeowners can combine policies for full protection.

How Much Does Earthquake Insurance Cost? (Affordable Plans for Every Budget)

The cost of earthquake insurance varies based on factors like location, home value, and construction type. On average:

• Low-risk areas – $100 – $300 per year
• Moderate-risk areas – $300 – $800 per year
• High-risk areas (e.g., California, Washington, Oregon) – $800 – $3,000+ per year

Deductibles usually range from 10% to 20% of the home’s insured value, meaning homeowners pay a portion of repair costs before coverage kicks in. Discounts may be available for retrofitted homes with earthquake-resistant features.

Why Now is the Best Time to Get Earthquake Insurance (Prepare Before Disaster Strikes)

Earthquakes are unpredictable, and once a major quake hits, it’s too late to get coverage. Many insurers impose a waiting period after a seismic event, preventing homeowners from purchasing a policy immediately after a quake. Protect your home, finances, and family by securing earthquake insurance now, ensuring peace of mind when the unexpected happens.

Get a personalized earthquake insurance quote today and safeguard your property against devastating losses.