🌍 Earthquake Insurance Calculator
Estimate earthquake insurance costs based on property value, location, building type, and soil conditions.
Earthquake Insurance Calculator FAQ
How much does earthquake insurance cost?
Typically 0.5-3% of your home's value annually. In California, the average CEA policy costs about $800-$3,000/year for a $500K home. Costs are heavily influenced by fault proximity, soil type, and building construction.
Is earthquake insurance worth it?
In high-risk zones (California, Pacific Northwest, New Madrid zone), many experts recommend it despite high deductibles (10-25%). A major earthquake can completely destroy a home. Without coverage, you'd still owe your mortgage on a destroyed house.
What does earthquake insurance cover?
Dwelling damage, personal property, and additional living expenses if your home is uninhabitable. Note: deductibles are percentage-based (10-25% of coverage), not flat dollar amounts like standard insurance.
Does homeowners insurance cover earthquakes?
No. Standard homeowners policies explicitly exclude earthquake damage. You need a separate earthquake policy either through a state program (like California's CEA) or a private insurer.