Discover coverage that fits your life, your goals, and everything in between.
Discover coverage that fits your life, your goals, and everything in between.
Most standard homeowners, condo, and renters policies don’t cover earthquake damage. Earthquake insurance helps safeguard your home, belongings, and living expenses if a quake strikes. Without this protection, you could face paying out of pocket for major repairs or even a complete rebuild, which can be financially overwhelming.
It usually covers:
No. Homeowners, renters, and condo insurance typically exclude earthquake damage. A separate earthquake policy or endorsement is needed for protection.
Yes, if you live in or near areas with seismic activity. While California is most known for quakes, other states—including Washington, Oregon, Alaska, Missouri, and even parts of the East Coast—are also at risk.
Costs depend on your home’s location, distance to fault lines, age, structure, and the amount of coverage and deductible you select. Higher-risk areas often mean higher premiums, but the protection is critical.
It generally excludes:
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