Earthquake insurance explained

Standard homeowners and renters policies exclude earthquake damage, so coverage must be added separately. Earthquake insurance helps pay to repair or rebuild your home and replace belongings after a quake, with deductibles that work differently from a typical policy.

What it covers

Earthquake coverage typically pays for structural damage, personal property, and additional living expenses after a quake. Some policies limit coverage for certain structures like chimneys, pools, or detached buildings.

Percentage deductibles

Unlike a flat dollar deductible, earthquake deductibles are usually a percentage of the dwelling limit, which can be substantial. Understand the deductible before assuming a claim will be paid in full.

Deciding if you need it

Quake risk varies widely by region and soil. People in higher-risk areas, or with homes that would be hard to rebuild, are more likely to benefit. Your state may offer a residential earthquake program.

Frequently asked questions

＋ Does homeowners insurance cover earthquakes?

No. Standard homeowners and renters policies exclude earthquake damage, so it must be added through a separate policy or endorsement.

＋ Why are earthquake deductibles so high?

Earthquake deductibles are usually a percentage of the dwelling limit rather than a flat amount, which can be large. This keeps premiums lower but means you pay more before coverage applies.

＋ Do I need earthquake insurance if I am not near a fault?

Risk varies by region and soil type, and quakes can occur outside well-known fault zones. Weigh your local risk and how hard your home would be to rebuild.

Educational content only — not legal, financial, or insurance advice. Requirements and pricing vary by state.

Why earthquakes need separate coverage