How Does Earthquake Insurance Work?

Earthquakes are unpredictable. These natural disasters can cause costly damage to properties. If you live in an area at risk for an earthquake, your home insurance company may offer separate coverage because your standard insurance policies don’t include earthquakes.

What Is Earthquake Insurance?

Earthquake insurance is a different policy you can purchase from a provider to cover earthquake damages. Not all homes need an earthquake insurance policy, but if you live in a high-risk area, you should get the coverage.

What Does Earthquake Home Insurance Cover?

Earthquake insurance policy can cover the following:

  • Replacement of your home
  • Aftershock damages
  • Structural damage
  • Personal property damaged
  • Extra living expenses

In your claim, you may be able to include damage that occurs within 72 hours of the event.


What Earthquake Insurance Doesn’t Cover?

Earthquake insurance doesn’t cover everything. It doesn’t cover damage caused by a fire or flood. This policy won’t cover landscaping, pools, Fences, Masonry, and more.

Is Earthquake Insurance Worth It?

Earthquake coverage would be helpful if you live in a high-risk area. Although this coverage is not compulsory, the financial result could be devastating if an earthquake wrecked your home and you didn’t have coverage. On the other hand, if earthquakes aren’t serious in your area, the cost of an earthquake insurance policy with a high deductible might not be worth it.


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