2 min read
25 May


Earthquakes can strike suddenly, causing significant damage to homes and belongings. Unfortunately, standard homeowners or business insurance policies do not cover earthquake-related losses. To safeguard your property, consider investing in earthquake insurance. In this comprehensive guide, we’ll explore the ins and outs of earthquake insurance, including coverage details, exclusions, and essential considerations.

What Is Earthquake Insurance?

Earthquake insurance provides coverage for your home and personal property in the event of earthquake-related damage. Unlike standard homeowners insurance, which excludes earthquake damage, earthquake insurance specifically addresses this risk. 

Here’s what you need to know:

  1. Coverage Components:
    • Dwelling Coverage: Pays for repairs or rebuilding of your home and attached structures (e.g., garage, foundation).
    • Personal Property Coverage: Reimburses you for damaged belongings, such as furniture, electronics, and jewelry.
    • Loss-of-Use Coverage: Covers temporary living expenses (e.g., hotel costs) while your home is being repaired.
  2. Exclusions:
    • Earthquake insurance does not cover damage caused by floods, landslides, or other natural disasters unrelated to seismic activity.
    • Some items may have “special limits,” meaning the policy pays up to a specific amount (e.g., computers, tools).

Why Do You Need Earthquake Insurance?

  1. Risk Assessment:
    • Almost half of all Americans are at risk for earthquake damage, according to the United States Geological Survey.
    • Earthquakes can occur unexpectedly, leaving homeowners vulnerable without proper coverage.
  2. Standard Policies Exclude Earthquake Damage:
    • Homeowners, condo, and renters insurance policies typically exclude earthquake-related losses.
    • Without dedicated earthquake insurance, you’ll be responsible for repair costs.

Coverage Details

Dwelling Coverage

  • Includes your house and attached structures (e.g., garage, foundation).
  • Concrete slab floors, walls, and other essential components fall under dwelling coverage.

Other Structures

  • Covers detached structures (not attached to the house), such as garages, carports, and storage buildings.

Personal Property

  • Reimburses you for damaged personal items, including furniture, appliances, and clothing.
  • Some items have special limits (e.g., computers, tools).

Additional Living Expenses

  • Also known as “loss of use” coverage.
  • Pays for temporary lodging, meals, and laundry if you cannot live in your home due to earthquake damage.

How to Obtain Earthquake Insurance

  1. Add-On to Homeowners Policy:
    • Available in most states as an add-on to your existing homeowners insurance.
    • Consult your insurance provider to explore this option.
  2. Specialized Carriers:
    • Some insurers specialize in earthquake coverage.
    • Consider purchasing a separate policy from these carriers.


Investing in earthquake insurance ensures that your home and belongings are protected when seismic events occur. Evaluate your risk, review policy details, and choose coverage that aligns with your needs. Remember that top-notch information and the latest updates are crucial for making informed decisions. 

Stay prepared and secure with earthquake insurance!

For more information, explore these reputable sources:

* The email will not be published on the website.