Affordable insurance starts with an easy quote
Earthquake Insurance fills the critical gap left by standard homeowners policies, covering the repair or replacement of your home and personal belongings in the event of seismic activity. While standard policies cover fire, they specifically exclude earth movement. This coverage is the only way to secure the equity in your home against total loss from a quake.
Seismic risk is not limited to the West Coast; the New Madrid Seismic Zone poses a significant threat to the Midwest. According to the U.S. Geological Survey (USGS), the cost of earthquake damage in the U.S. is estimated to exceed $6.1 billion annually. Without specific coverage, a cracked foundation or a collapsed chimney is an out-of-pocket expense that can financially cripple a homeowner.
We structure policies to protect your dwelling, detached structures, and personal property.
Most direct quotes only cover the basics in the left column. We shop multiple carriers to secure the critical add-ons in the right column that actually protect your livelihood.
| Coverage Feature | Standard Homeowners Policy | Earthquake Policy |
|---|---|---|
| Fire Following Quake | ✔ Covered | ✔ Covered |
| Foundation Cracks (Quake) | ✖ Excluded | ✔ Covered |
| Structural Collapse (Quake) | ✖ Excluded | ✔ Covered |
| Broken Valuables (Quake) | ✖ Excluded | ✔ Covered |
“How much does earthquake insurance cost?” Premiums are determined by your home’s age, construction materials (wood frame is cheaper than brick), and proximity to fault lines.
You cannot stop the ground from shaking, but you can choose how you recover. “Independent Means Multiple Choices.”
Experience the confidence shared by the professionals we protect, and let us turn these options into a clear, comprehensive protection plan for you.
Headquartered in Overland Park, KS and serving clients across multiple states, our team provides straightforward guidance to help you make informed insurance decisions.
If you’re comparing insurance options or reassessing your current coverage, we’ll help you evaluate what you have, identify potential gaps, and find a path forward that makes sense for your situation.
Headquartered in Overland Park, KS, with licensed support across the Midwest, South, Northeast, and West.
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Meet the people who make coverage guidance feel clearer, faster, and more personal.
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We’re here to help you explore your coverage options tailored to your needs.
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