Since standard homeowners insurance does not cover earthquake damage, many homeowners purchase separate earthquake insurance policies—especially those in earthquake-prone areas. Once your earthquake deductible is met, your policy typically covers:

* Damage to your home or other structures on your property caused by an earthquake.
* Damage to personal property resulting from an earthquake.
* Additional living expenses if earthquake damage forces you to temporarily relocate while repairs are being made.

* Earthquake insurance is crucial if you live in a high-risk area prone to seismic activity.
* It is not included in standard homeowners insurance and must be purchased as a separate rider or policy.
* States near fault lines—such as California, Alaska, and Oklahoma—are at a higher risk of experiencing earthquakes.
* If you live near a fault line or in a high-risk zone, earthquake insurance is strongly recommended to protect against potential losses.
* We never expect disasters to happen—until they do. The purpose of insurance is to prepare for the unexpected and minimize financial hardship. Earthquake insurance is no exception. By adding an earthquake endorsement to your homeowners insurance policy, you can protect yourself from both minor and catastrophic losses caused by seismic events.

Secure Your Home with Earthquake Insurance

If you live near an active fault line or in a high-risk or moderate-risk area, earthquake insurance can provide peace of mind and financial security. Call us today to learn more about your coverage options!