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 things like:

  • Damage to personal belongings inside your home 
  • Debris removal 
  • Making adjustments to your home to meet current building codes
  • 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 think you will need them in the future. The following are some things that could occur due to an earthquake — but would 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

According to the U.S. Geological Survey, around 500,000 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.

Earthquake coverage limits and deductibles vary, so contact us to find out what's available in your area.