Earthquake insurance protects you from the costs of property damage to your home or possessions in the home in the event of an earthquake. The potential cost of earthquakes has been rising due to increased urban development in potentially seismic areas, coupled to the vulnerability of older buildings.

42 states in the U.S. are at risk of quakes, but in most places, earthquake insurance is only an optional add-on to your home insurance policy, for which you must pay an additional fee, whose cost varies according to the level of risk. Though conventional wisdom maintains that the risk of earthquakes is higher along fault lines, human activity has begun to change those traditional patterns of seismic activity.

If you’re considering the purchase of earthquake insurance, first determine how at risk you are, remembering that the recognized fault lines aren’t necessarily the only places earthquakes are occurring. The level of risk will factor into the cost, as premiums are higher in areas with higher risk of seismic activity. It might be a good idea to incorporate some sort of mitigation techniques, such as bolting the frame of the house to the foundation, or other structural improvements.

Make sure to read the fine print, as most policies cover damage to the house, but not if the house itself isn’t damaged or you haven’t yet met your deductible. Another thing to consider is that earthquake policies won’t cover related damages, such as fires, ruptured gas lines, sinkholes, floods, or masonry used for the home’s veneer. Make sure your insurance company adjuster conducts a thorough inspection, as serious structural damage can be hidden behind walls, in crawl spaces, the attic, or the foundation.

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How We Compare Earthquake Insurance

Coverage and Protection


The company’s ability to provide adequate coverage and protection to homeowners and business owners against costly repairs and damages resulting from an earthquake. This also includes coverage for personal injuries.

1. Personal Injury – a must have especially when your current medical insurance is unable to shoulder medical costs.

2. Personal Belongings – Properties and other valuable items such as appliance, furniture and other items stated in your policy. When damaged by earthquake, these are the items eligible for repair or replacement.

3. Property damage – covers the costs of repairs of structural damage to your property.

4. Post – Earthquake Services – Helps during the difficult recovery process. This includes debris removal, broken glass clean-up, electrical, and plumbing system repair or replacement.

Plan Details


This refers to information regarding the company’s maximum and minimum coverage. It also includes costs, premiums and deductibles.  

Minimum Coverage – The Company sets the minimum coverage of your policy. But it varies on the items that you stated for coverage.

Maximum Coverage – The Company will set the maximum coverage. However, the higher the coverage, the higher your premiums will be.

Contract length – Yearly plan payment or how long the plan is in effect before it can be renewed.

Mobile Access – Access to your policy for changes, modification and claim process using your smart phones.

Sample Policy – Legal document outlining the company’s insurance policy terms that can be seen by the public

Privacy Policy – Information and legal agreement on how personal information is used

Structures Covered


Earthquake Insurance companies must be able to cover a variety of personal and business structures.  

  1. Apartments
  2. Condo
  3. Townhouse
  4. Single- Family Homes
  5. Offices and other business structures




Search for an insurer that gives a variety of discount options to help cut the costs of your premiums. Enrolling with your current life insurance company that also offers earthquake insurance is a simple way of availing a multi-policy discount.

Multi-Policy Discounts – Discounts are given to policyholders with 2 or more policies enrolled in the same insurance company.

Loyalty Discounts – Policyholders who renew their policies can avail of the company’s loyalty discounts.

Claim- Free History - Policyholder’s who has yet to file a claim for a set number of consecutive years are entitled to this privilege.

Other Discounts – Additional discounts given by the company

Help and Support


You must look for a company that offers well after sales customer support. In terms of online resources, process of claims and reachable telephone lines.

  • Online Account Management – access to your personal information or policy. This allows you to make changes or get a quick look into your policy.
  • Coverage Calculator – makes it easy for you to make a quick estimate of your property’s worth, market and depreciation value
  • Live Chat – Immediate response to client concerns using their web tool for live conversation
  • Telephone Support – Assistance by resident agents through phone
  • 24 Hour Telephone Claims –24/7 claim reporting
  • Online Claims - Web handling of your claims for easy attachment of required documents
  • Online Quotes - Get a quick estimate of costs
  • E-mail - Electronic mail service provided by the company to answer customer’s inquiries.
  • FAQs – List of questions responded for usual client concerns