Earthquake Insurance

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What Is Earthquake Insurance?

Earthquake insurance is a form of property insurance that pays the policyholder in the event of an earthquake that causes damage to the property.

Why Do I Need Earthquake Insurance?

Most ordinary homeowners insurance policies do not cover earthquake damage.

What Is The Cost Of Earthquake Insurance?

Most earthquake insurance policies feature a high deductible, which makes this type of insurance useful if the entire home is destroyed, but not useful if the home is merely damaged. Rates depend on location and the probability of an earthquake loss. Rates may be cheaper for homes made of wood, which withstand earthquakes better than homes made of brick.

Premiums for earthquake insurance range from $800 to $5,000 annually and deductibles are typically 15 percent of the total value of the home.