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
Moderate-Risk States
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