10 Best Earthquake Insurance of 2017

Protect yourself financially against costly repairs and personal injuries caused by an earthquake. We give you the top Earthquake Insurance providers in the country today.

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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.

Top 10 Companies

10 / 10
  • Farmers mobile App
  • Available in most states
  • Online payments
  • Free Farmers friendly review service
9.8 / 10
  • 8 decades of experience
  • Instant Quotes
  • 24/7 nationwide claims support
  • Online account management
  • Up to $500,000 coverage
State Farm
9.3 / 10
  • Get Instant Quotes
  • Coverage for personal items
  • Wireless home monitoring
  • State Farm App
  • Free online estimates
  • 24/7 customer claim service
  • Telephone support
  • Online calculator
8.1 / 10
  • Online account management
  • Coverage for brand new belongings
  • Telephone support and claims
  • Free insurance quotes
  • 90 years in insurance industry
7.8 / 10
  • Online account management
  • USAA Mobile App
  • Online coverage calculator
  • Not offered to businesses
  • Up to $200,000 in coverage
7.2 / 10
  • Online account management
  • Instant quotation
  • 24/7 Customer Service
  • User-friendly online site
6.8 / 10
  • Get instant quotes
  • Manage your policy online
  • Early warning alert services
  • Rated A by A.M. Best
6.2 / 10
  • Easy and Secure payment
  • Online account management
  • Covers Additional living expenses
  • Instant quotes
  • Rated A by A.M. Best
5.7 / 10
  • Free Quote
  • Retrofitting your Home
  • 24/7 claims
  • Flexible pricing
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Best Earthquake Insurance: Summed Up

RankCompany NameStrengths
1FarmersBest Overall
2AllstateCoverage and Protection, Structures Covered
3State FarmStructures Covered, Help and Support
4Liberty MutualStructures Covered

How We Compare Earthquake Insurance

Select 2 earthquake insurance companies to compare
Coverage & Protection - 30%
Plan Details - 25%
Structures Covered - 20%
Discounts - 15%
Help & Support - 10%
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