Earthquake Insurance Guide
Standard homeowners insurance does not cover earthquake damage. Learn if you need separate earthquake insurance.
Did You Know?
Most standard homeowners and renters insurance policies do not cover earthquake damage. You typically need a separate earthquake insurance policy or an endorsement to your existing policy.
High-Risk States
Alaska
Coming soon
California
Coming soon
Hawaii
Coming soon
Idaho
Coming soon
Montana
Coming soon
Nevada
Coming soon
Oregon
Coming soon
Utah
Coming soon
Washington
Coming soon
Wyoming
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Moderate-Risk States
Arizona
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Arkansas
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Colorado
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Kansas
Coming soon
Missouri
Coming soon
Nebraska
Coming soon
New Mexico
Coming soon
Oklahoma
Coming soon
South Carolina
Coming soon
Tennessee
Coming soon
Texas
Coming soon
Key Facts About Earthquake Insurance
- •Average earthquake insurance costs $800–$5,000/year depending on location and home value
- •Deductibles are typically 10–20% of the policy limit (much higher than regular insurance)
- •California residents can get coverage through the California Earthquake Authority (CEA)
- •FEMA disaster assistance after an earthquake is typically a loan, not a grant
- •Renters can also get earthquake insurance to cover personal belongings