page loader

Earthquake Insurance

Earthquake Insurance Coverage

An earthquake can be a destructive force of nature. Some earthquakes are barely noticeable, but others can damage residential and commercial properties. The result is often thousands of dollars worth of damage. And in some cases, people find themselves unable to live in their damaged home. This is why people who live in earthquake areas should have earthquake insurance.


Earthquake insurance covers structural damage to buildings – this includes residential as well as commercial buildings. Fixed structures such as roofs and walls can be repaired or replaced with the insurance money. Property that has been completely leveled can be rebuilt with the insurance money. In minor earthquakes that register low on the Richter scale, damage might occur only to personal valuables. This type of insurance policy will pay for that as well.

A person who wants earthquake insurance can save money by proving structures have been installed to minimize damage from trembling and shaking. Foundations with dampeners reduce the rates on insurance for homes and buildings in earthquake zones. After an earthquake occurs, insurance agencies investigate in cooperation with structural engineers and seismologists to provide fair compensation to policyholders.

Who Should Get Coverage?

Earthquake insurance is recommended for people who own homes or buildings in earthquake zones. This applies specifically to customers living in areas that already have visible fault lines or marks on the ground. You should note that areas near volcanoes are at risk of being affected by earthquakes caused by lava eruption.


Earthquake insurance provides a financial safety net for residents in areas at high risk for earthquakes. An earthquake could leave a person homeless. With insurance, they could receive funds for temporary living expenses while rebuilding the destroyed property. That’s just one of the possible benefits. Not all earthquake insurance is the same. Speak with an insurance agent to get specific details.