Earthquake Insurance

Earthquake insurance covers damage to your home and belongings from seismic activity, which standard homeowners policies exclude. It can be written as a separate policy or added to some homeowners policies by endorsement. Coverage typically helps repair or rebuild your home, replace damaged belongings, and cover additional living expenses if a quake makes your home uninhabitable.

The Pacific Northwest sits in seismically active territory, including the Cascadia Subduction Zone, and a major earthquake could cause widespread, expensive damage. Because standard homeowners policies don't cover it, earthquake coverage fills a significant gap for Washington and Oregon homeowners. Rebuilding costs after a serious quake can far exceed what most households could absorb on their own.

How much would it cost to rebuild your home today? Earthquake policies often carry a percentage deductible rather than a flat dollar amount, so how would a percentage apply to your home's value? Is your home older or unreinforced, and would retrofitting help? Do you want contents and living expenses included? Tell us about your home and we'll walk you through the options.