Skip to main content

Earthquake Insurance

Don’t get rumbled without the right coverage.

Earthquake insurance customized to your needs.

Home » Personal Insurance » Earthquake Insurance

Even with your homeowner’s insurance, you’re still at risk in the event of an earthquake. A specialty earthquake insurance policy can help bridge the gap in coverage, keeping your home and possessions protected.

Your Earthquake Risk

Find out your area’s earthquake risk by reading the article from CNN and checking out their online map.

Read More
Most homeowners policies don’t cover earthquakes.

You might think an earthquake event would be covered by your homeowners insurance, but that’s not usually the case. The vast majority of policies specifically exclude it, mainly because it’s a low-risk event, which means any payout is likely to be extremely high.

Covers damage or destruction caused by an earthquake.

The good news is that you can buy specific earthquake insurance to cover damage and destruction to both your home and your building. Generally, the deductible is far higher than with ordinary household insurance. Although policies cover damage to homes, the main aim of earthquake insurance is to cover the risk of total destruction.

Factors to consider when getting earthquake coverage.

Depending on your location, you may need to shop around for an earthquake policy. For example, some areas in South Carolina are prone to earthquakes due to their proximity to a major fault line. Your homeowners insurance provider is required to also offer earthquake insurance, although they won’t necessarily offer the best deal. One thing to watch for is insurers that stop taking on new policies in an area several weeks after a major earthquake because of the increased risk of aftershocks.

How is the cost of earthquake coverage determined?

The costs of earthquake coverage depend on your specific location, the value of your property and the materials it is built from.

For more details about your earthquake policy options, contact us today.

Earthquake Insurance - Hands Holding a Broken Home

Get Started Today

As an independent agency, we are here to help you find the right Earthquake Insurance coverage.

Get a Quote

  Earthquake Insurance Quote Request

As an independent agency, we are here to help you find the right coverage.

  • Please do not include sensitive, private information in this area.
  • Please note completion of any request(s) for information does not constitute the purchase of insurance. No coverage may be added, changed or bound as a result of submitting a request for information or quotation of insurance. All coverage must be confirmed by the agency in writing subject to an acceptable signed application meeting the underwriting guidelines of the Insurance Company.
  • This field is for validation purposes and should be left unchanged.

Get a Quote

It only takes a minute to get started.

  • Fill out the form, we’ll be in touch.
  • Review options with an agent.
  • Get the coverage you need.

Would you rather discuss this in person? Get in touch with an agent today!