Earthquake damage is caused by ground movement that can impact a home’s foundation, framing, and structural integrity. While seismic activity may be infrequent, even moderate ground shaking can result in material damage that is not covered by a standard homeowners policy.
Earthquake insurance is evaluated based on geographic location, fault proximity, soil conditions, construction type, and foundation characteristics. Coverage decisions are made property by property and structured to address actual seismic exposure rather than generalized assumptions.
Earthquake Insurance Coverage Structure
Earthquake insurance is designed to address damage resulting from seismic ground movement and is structured separately from a standard homeowners policy. The primary coverage component typically applies to the dwelling, including the foundation and structural elements of the home.
Coverage options may also be available for personal property, depending on the policy structure. Deductibles for earthquake insurance are generally higher than those found on standard homeowners policies and are often calculated as a percentage of the dwelling coverage rather than a flat dollar amount.
Coverage terms, limits, and deductibles vary based on location, proximity to fault lines, soil conditions, construction type, foundation design, and carrier guidelines.
To get started, click below to begin an earthquake insurance quote.
