Earthquake Insurance
Insurance Glossary
Coverage for damage caused by earth movement, which standard homeowners policies exclude everywhere, sold either as a separate policy or as an endorsement depending on the state and the insurer. Deductibles are set as a percentage of the coverage limit rather than a flat dollar amount, commonly in the range of 5 to 25 percent, so a large share of a loss stays with the homeowner. In California most of this coverage is written through the California Earthquake Authority by participating insurers, and insurers writing homeowners policies in the state are required to offer it.
This content is for general informational purposes only and is not insurance, legal, or financial advice. Coverage, exclusions, eligibility, and pricing vary by insurer, by policy, and by state, and only the policy documents control what is covered. Always confirm the details of any coverage with a licensed insurance agent or the issuing carrier before you buy.
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