Coverage

Earthquake insurance, the Western-state coverage homeowners excludes.

Like flood, earthquake damage is excluded from standard homeowners policies. In the West, that is a serious gap. Earthquake coverage is a separate policy or endorsement with its own deductible structure, and it deserves a real decision rather than a default skip.

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Standard homeowners policies exclude earthquake damage, so protecting against it takes a separate policy or endorsement. Earthquake coverage uses a percentage deductible based on your home's value, which changes how you weigh it, especially across the Western states we serve.

Why earthquake is its own decision

Earthquake is excluded from homeowners coverage, so a quake that damages your home is generally uncovered without a separate policy. Across Oregon, California, Washington, and the rest of the West, that exposure is real.

Earthquake coverage works differently from other coverage: it typically carries a percentage deductible tied to your dwelling value, which can be substantial, so the decision is about catastrophic protection, not small claims.

How to weigh it

The question is whether your household could absorb rebuilding after a major quake. For many owners, the answer makes earthquake coverage worth carrying despite the deductible, particularly for a primary home that represents most of their net worth.

Availability and pricing vary by state and proximity to known faults, and both standalone policies and endorsements exist. We compare the options for your home.

When it is worth a review

Consider earthquake coverage when you buy a home in a seismic region, after a notable quake raises awareness, or when reviewing whether your largest asset is truly protected.

Frequently asked

Common questions.

Does homeowners insurance cover earthquakes?

No. Earthquake damage is excluded from standard homeowners policies and requires a separate earthquake policy or endorsement.

Why is the earthquake deductible so high?

Earthquake coverage typically uses a percentage deductible based on your home's value rather than a flat dollar amount. It is designed for catastrophic loss, which is the right way to think about the coverage.

Is earthquake insurance worth it?

It depends on whether you could absorb rebuilding your home after a major quake. For many owners in seismic regions, protecting their largest asset makes it worth the cost. We help you weigh it.

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We will walk through your home, autos, assets, and liability, then show you what is worth a closer look. Educational, not a quote.

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We confirm your seismic exposure by location

We compare standalone and endorsement options

We explain the percentage deductible clearly

You get a clear read, no obligation

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