Earthquake insurance
InsuranceFinder coverage guide · Updated September 2026
Earthquake insurance pays for structural repairs and personal property damage caused by ground shaking, tremors, and seismic events. Standard home policies exclude earth movement. Deductibles are typically percentage-based (10% to 25% of the structure value) rather than fixed dollar amounts.
Earthquake coverage breakdown: dwelling, contents & deductibles
Earthquake insurance is usually a separate policy or endorsement — not part of a standard homeowners or renters form. Coverage and deductibles vary by form and state.
Pays to repair or rebuild the insured structure after a covered earthquake, subject to the policy limit, deductible, and form.
Pays for belongings damaged by a covered earthquake when contents coverage is included, subject to limits and the form's personal-property rules.
Earthquake deductibles are often a percentage of the dwelling limit (not a flat dollar amount). That amount can be large — read the declarations page.
May help with temporary living costs if a covered earthquake makes the home uninhabitable, when the form provides that coverage.
A standard homeowners or renters policy usually excludes earthquake and earth movement. Earthquake forms typically exclude flood (even if an earthquake causes a flood elsewhere), normal wear-and-tear, and some types of exterior or landscaping damage depending on the form. Fire following an earthquake may be handled by the homeowners fire coverage in some cases — confirm how your policies interact. Always read the earthquake form and any state-specific rules.
Who typically uses earthquake insurance
Earthquake insurance is typically carried by people who own or rent property in seismically active regions. Because standard homeowners and renters policies usually exclude earthquake and earth movement, a separate earthquake policy or endorsement is the usual way to insure that peril. Lenders sometimes require it in higher-risk areas; requirements vary by location and loan.
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Agencies specializing in earthquake insurance
Independent agencies published in our database. Open a profile for license details and state DOI links.