--- title: Should You Have Earthquake Insurance? Here’s What to Know description: Learn what earthquake insurance covers, why it’s not included in standard homeowners policies, and how to protect your property from seismic damage. image: https://www.fyinsurancesolutions.com/hubfs/earthquake%20(1)-1.webp --- [Skip to content](https://www.fyinsurancesolutions.com/blog/should-you-have-earthquake-insurance-heres-what-to-know#main-content) ![FYInsurance Solutions | Coach. Strategize. Protect.](https://www.fyinsurancesolutions.com/hs-fs/hubfs/LOGO-COLORED-tagline-Sep-06-2024-10-26-22-8339-PM.png?width=736&height=756&name=LOGO-COLORED-tagline-Sep-06-2024-10-26-22-8339-PM.png) ![FYInsurance Solutions | Coach. Strategize. Protect.](https://www.fyinsurancesolutions.com/hs-fs/hubfs/LOGO-COLORED-tagline-Sep-06-2024-10-26-22-8339-PM.png?width=736&height=756&name=LOGO-COLORED-tagline-Sep-06-2024-10-26-22-8339-PM.png) - [Plans & Quotes](https://www.fyinsurancesolutions.com/quote) - [Brokers](https://www.fyinsurancesolutions.com/brokers) - [Blog](https://www.fyinsurancesolutions.com/blog) - [Home](https://www.fyinsurancesolutions.com) Show submenu for Home - [About](https://www.fyinsurancesolutions.com/about) Open main navigation Close main navigation - [Plans & Quotes](https://www.fyinsurancesolutions.com/quote) - [Brokers](https://www.fyinsurancesolutions.com/brokers) - [Blog](https://www.fyinsurancesolutions.com/blog) - [Home](https://www.fyinsurancesolutions.com) Show submenu for Home - [About](https://www.fyinsurancesolutions.com/about) - [Get A Quote](https://form.jotform.com/242231549541150) [Get A Quote](https://form.jotform.com/242231549541150) [Farnaz Youshei](https://www.fyinsurancesolutions.com/blog/author/farnaz-youshei) Jun 13, 2025 11:25:11 AM # Should You Have Earthquake Insurance? Here’s What to Know ![](https://www.fyinsurancesolutions.com/hs-fs/hubfs/earthquake%20(1)-1.webp?width=950&name=earthquake%20(1)-1.webp) Most homeowners assume their property is fully protected by their standard insurance policy. But if an earthquake hits? That assumption could cost you. Earthquake insurance is a **separate policy** designed to cover damage caused by seismic activity. Unlike fire, theft, or water damage from plumbing issues, earthquake damage is almost never included in your basic homeowners or renters' insurance policy. ### What Does Earthquake Insurance Cover? Earthquake insurance typically covers: - **Structural damage** to your home - **Detached structures** like garages or sheds - **Personal belongings** damaged during a quake - **Loss of use**, which helps pay for temporary housing if your home is uninhabitable However, it's important to note that most policies have a high deductible (often 10% to 20% of your home's value). That means if your home is insured for $500,000, you might have to pay $50,000 to $100,000 out of pocket before coverage kicks in. Still, that’s a far better scenario than paying to rebuild entirely on your own. ### Do You Need Earthquake Insurance? If you live in an area with any level of seismic risk, especially places like California, Oregon, Washington, or parts of the Midwest, then earthquake insurance should be a serious consideration. Earthquakes are unpredictable and can cause catastrophic damage in seconds. Just because your home has never been damaged before doesn’t mean you’re in the clear. ### What About Condo Owners and Renters? If you own a condo, earthquake insurance can help cover your unit and personal belongings. Renters can also purchase standalone policies to protect their possessions and cover temporary living expenses after a quake. ### The Bottom Line Earthquake insurance isn’t required, but for many, it’s a smart layer of financial protection that can save your home and your savings. --- ### Want to see if earthquake insurance makes sense for you? We’ll help you compare options, understand deductibles, and get the right level of coverage for your needs.   **Request a custom quote today and** protect your home before the ground starts shaking! 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Here’s What to Know", "image" : [ "https://www.fyinsurancesolutions.com/hubfs/earthquake%20(1)-1.webp" ], "mainEntityOfPage" : { "@id" : "https://www.fyinsurancesolutions.com/blog/should-you-have-earthquake-insurance-heres-what-to-know", "@type" : "WebPage" }, "publisher" : { "@type" : "Organization", "logo" : { "@type" : "ImageObject", "url" : "https://www.fyinsurancesolutions.com/hubfs/LOGO-COLORED-tagline-Sep-06-2024-10-26-22-8339-PM.png" }, "name" : "FYInsurance Solutions" } } ```