What is earthquake coverage?

Earthquake insurance coverage is an endorsement you add to your renters, home or condo insurance policy.

What does earthquake insurance cover?

Earthquake insurance covers your dwelling, detached structures and personal property in the event of an earthquake. It also helps cover the costs related to damage to personal belongings inside your home, removing debris from your land and making adjustments to your home to meet current building codes. Earthquake coverage can also help cover costs of additional living expenses while your home is being rebuilt or repaired.

However, it’s beneficial to understand what earthquake coverage will not cover so that you can seek additional coverage for those things if you deem it necessary. The following are some things that could occur due to an earthquake — but not be covered by your earthquake insurance:

  • A fire (which would instead be covered under your standard homeowners insurance)
  • Damage to things like vehicles, fences and pools

Other earthquake insurance considerations

Earthquake coverage limits and deductibles vary, so contact Ameriprise Auto & Home Insurance to find out what's available in your area.

According to the U.S. Geological Survey, around 200,000 earthquakes occur every year, although most are too small to be noticeable. However, catastrophic earthquakes are more likely to occur in specific areas, like California. (California residents may also purchase Earthquake coverage through the California Earthquake Authority.)