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.
We’re here to help you explore your coverage options tailored to your needs.
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Have specific questions? Our independent agents are ready to assist you directly.
Our team has the skills, experience, and readiness to help our customers.
We value getting to know our customers and helping them make their insurance dreams a reality.
We love to learn more to help our customers make the insurance process easier.
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