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When Do You Need Earthquake Insurance?

Certain areas of the United States — particularly locations on the West Coast — are uniquely vulnerable to earthquakes. While the devastation of a major earthquake may seem remote, it is unfortunately statistically very possible. Moreover, many homeowners insurance policies actually do not have earthquake coverage.

If you are in an area that is prone to earthquakes, be sure to effectively protect your family and your home with earthquake insurance.

What Is Earthquake Insurance?

Earthquake insurance coverage provides supplementary coverage to a typical homeowners policy, and is particularly applicable in cases where your homeowners policy does not cover damage from earthquakes.

The details of a given policy may vary, but in general, earthquake insurance should provide some coverage for repairs and reconstruction, for the value of items contained within your home, and for the cost of finding a secondary dwelling in the event of significant damage to your primary residence — and possibly more.

While a serious earthquake may seem remote, one can be devastating. Though a minor earthquake may not significantly damage your home, a major one could necessitate a complete rebuild. Speaking to your insurer about purchasing coverage for earthquakes will ensure that you and your family are sufficiently prepared, no matter what occurs.