Is earthquake insurance required in Western states?

Earthquake insurance is not typically required by law, but mortgage lenders may require it in high-risk areas. It's highly recommended for homeowners in seismically active zones.

What is the deductible for earthquake insurance?

Deductibles for earthquake insurance are typically higher than those for standard homeowners insurance, often ranging from 5% to 25% of the coverage limit.

Does earthquake insurance cover damage from aftershocks?

Yes, most earthquake insurance policies cover damage from aftershocks that occur within a specified timeframe (usually 72 hours) of the initial earthquake.

Does earthquake insurance cover landslides caused by earthquakes?

Coverage for landslides caused by earthquakes varies by policy. Some policies may exclude landslide damage, so it's important to review the policy terms carefully.

How can I reduce the cost of earthquake insurance?

You can reduce the cost of earthquake insurance by increasing your deductible, reinforcing your home's foundation, and choosing a policy with lower coverage limits. Also shop around and compare rates from multiple insurers.

View Details Explore Now →

Earthquake Insurance for Western States: Protect Your Home and Finances

Sarah Jenkins

Verified