Earthquake Insurance
Coverage for earthquake damage excluded from standard policies. Critical in seismic zones like California and Pacific Northwest.
Key Benefits
Only coverage for earthquake damage
Available in all earthquake zones
Covers building structure and belongings
Often includes business interruption
Customizable deductibles
Ideal For
Properties in seismic zones (CA, WA, OR, NV)
High-value properties in earthquake areas
Coastal properties
Historic buildings in seismic zones
Coverage Highlights
- •Building damage from earthquakes
- •Personal property damage
- •Loss of rental income
- •Debris removal
- •Emergency repairs
Average Cost
$200-$800/year depending on zone and value
Actual costs vary based on property details, location, claims history, and specific coverage limits.
Common Misconceptions
Standard property insurance covers earthquakes (explicit exclusion)
Only California needs earthquake insurance (multiple seismic zones)
Deductibles are percentage of rebuild cost (they are)
Earthquake insurance is too expensive (often very affordable)
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