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Does Homeowners Insurance Cover the Peril of Earthquake?

Standard homeowners policies do not typically provide coverage for earthquake damage. This means that in order for your client to protect their home, they must purchase a separate earthquake policy, or add coverage via an endorsement to their homeowners policy.

Where can I find Earthquake Insurance for my Clients?

Many insurance companies stopped providing earthquake coverage in the 1990s after projections showed the financial impact of a major earthquake. has been offering earthquake coverage for over 20 years, and continues to be a leader in natural catastrophe insurance.

Does my Client really need Earthquake Insurance?

An earthquake can have a tremendous financial impact on a homeowner that is not covered. Despite the substantial risk to their largest asset, most homeowners are not protected. For example, only 11% of Washington residents have coverage despite having the second largest market in the seismic space.

Important factors include the home’s proximity to active faults, when the last earthquake occurred in their area, the type of land the home sits on, and if the home was constructed with earthquake-preparedness in mind. For more information, you can send your insureds this link from the U.S. Geological Survey (USGS): How do I decide whether or not to get earthquake insurance?

Why offering Earthquake Insurance is Important.

Your client may not understand their risk of earthquake damage, and they are relying on you to provide the information they need to make an educated decision. Discussing the risks associated with earthquake can also help protect you from an E&O claim. Don’t risk losing your client to another agent who quotes earthquake insurance.

What Coverages are Available? offers the following earthquake coverage options:

· Dwelling coverage

· Contents coverage with an option for replacement cost

· Appurtenant Structure coverage

· Additional living expense coverage

· Increased Cost of Materials

· Debris Removal

How does an Insurance Agent or Broker Start Offering Earthquake Insurance?

Earn up to 10% commission on all new and renewing earthquake policies with (as of November ‘2022). Signing up is fast and easy at Start quoting the perils of flood and earthquake in minutes. Sign up today!

Disclaimer: The content on this site is for general information purposes only. It is not intended to be relied on or used in place of professional advice. We do not endorse, assume responsibility for, or guarantee the accuracy of the content. All liability is expressly disclaimed.


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