What do I need to know about getting earthquake insurance included in my homeowners policy?

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Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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UPDATED: Mar 18, 2018

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Insurance Question from Hutchinson, KS

Asked on 03/18/2018

What do I need to know about getting earthquake insurance included in my homeowners policy? I want to make sure I am covered for any kind of eathquake, no exclusions. Who offers the most comprehensive coverage?

Answer given on April 07, 2018

Each state is different when it comes to covering earthquake damage to your home.  You should talk to your homeowner insurance agent to see if it is automatically covered under your current homeowner policy. If you ask for a quote for the insurance and have them explain how the coverage works.  In states where earthquakes are common there is a much larger deductible for damage due to an earthquake.  

There are some “stand alone” insurance policies that cover earthquake damage. If your agent does not have access to that type of insurance company, look for a specialty insurance agent, or see if you can contact that company directly.  The Department of Insurance may be able to help you in accessing that type of insurance company. 

Be sure you fully understand the insurance you are buying.  The lowest price is not necessarily the best insurance, so read the contract for deductible, exclusions and how claims are settled. 


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