Earthquake Insurance Calculator
Estimate your earthquake insurance premium based on property value, building type, seismic zone, and deductible. Protect your home from seismic damage.
Earthquake Insurance Estimator
Estimated Premium
Based on your inputs
per month
Frequently Asked Questions
Is earthquake insurance included in home insurance?
No, earthquake insurance is not included in standard home policies. You need a separate endorsement or standalone policy.
How much does earthquake insurance cost?
Costs range from $100 to $2,000+ annually based on seismic zone, building type, age, and deductible.
What does earthquake insurance cover?
Covers damage to your home structure, personal belongings, and additional living expenses. Does not cover fire, flood, or landslide.
Where is earthquake insurance most important?
Most important in CA, AK, WA, OR, and the New Madrid fault area in the Midwest.
What is the typical deductible?
Deductibles are percentage-based (5-25% of dwelling coverage). A 10% deductible on $400K home means $40K out-of-pocket.
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* Estimate only. Actual policy cost depends on individual qualifications and carrier rules.