Earthquake Insurance Coverage
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Earthquake Insurance Coverage
Earthquakes can strike without warning, causing significant damage to homes, buildings and other properties. Standard policies like Homeowners and Builders Risk Insurance typically does not cover earthquake damage, leaving your property and finances vulnerable. Earthquake insurance is designed to provide the protection you need to recover from these natural disasters.
What Is Earthquake Insurance?
Earthquake insurance is a specialized policy that provides coverage for damages caused by seismic events. It covers the cost of repairs to your home and can also protect your belongings, helping you recover financially after an earthquake. Without earthquake insurance, homeowners and developers could face massive out-of-pocket expenses for repairs, temporary living costs, and rebuilding.
Who Typically Needs It?
Homeowners, developers, condo owners, and renters in regions prone to seismic activity should consider earthquake insurance essential. States like California, Oregon, and Washington are high risk areas, while other states like Nevada, Missouri, Utah, and even some areas on the East Coast states have significant seismic risks.
Do I Need Earthquake Insurance If I Don’t Live Near a Fault Line?
Even if your home isn’t located near a well-known fault line, you could still experience the effects of an earthquake. If your home is older and built on soft soil, it’s worth considering coverage regardless of proximity to a fault line.
What Does Earthquake Insurance Cover?
Keep in mind that earthquake insurance often has separate deductibles for different types of coverage, which may vary based on your location and policy.
Get Soft Costs Coverage Quotes
If you want to get an exact cost for Earthquake Insurance, we encourage you to get quotes now from our experienced agents.
Our experienced agents are well-versed in what type of coverage is needed to protect your property from the risk of earthquakes. After understanding your insurance needs, our agents can usually reduce policy prices through additional discounts of 10% to 15% from the instant quotes you receive.
We provide the finest comprehensive plans for your business by providing:
- Knowledgeable, licensed insurance agents
- Same-day coverage in most instances
- Coverage from A-rated insurance companies
- Ability to offer policies nationwide
- The lowest price for the best Insurance coverage in the industry
