713-766-6000

Earthquake Insurance

Don't leave any aspect of your financial well-being to chance; protect yourself with the right insurance coverage for all your needs.

house

Earthquake Insurance

Earthquakes can strike without warning, causing significant damage to your home, business, and personal belongings. Standard homeowners’ insurance does not cover earthquake damage, which makes having a dedicated earthquake insurance policy essential for protecting your property and finances.

Why You Need Earthquake Insurance

Even a moderate earthquake can cause:

  • Cracks or collapse in walls, floors, ceilings, or foundations

  • Broken windows, doors, or fixtures

  • Damage to electrical, plumbing, heating, or cooling systems

  • Loss or destruction of furniture, appliances, electronics, or valuables

  • Fire, explosion, or water damage due to ruptured gas lines or pipes

Earthquake insurance provides financial protection for these damages, helping you repair or replace your property quickly and safely.

Coverage and Benefits

Our earthquake policies can include:

Personal Property Protection

Repair or replace damaged property and belongings

Additional Living Expenses

Covers temporary relocation if your home is uninhabitable

Debris Removal & Cleanup

Helps remove wreckage safely

Emergency Repairs & Mitigation

Covers immediate fixes to prevent further damage

Factors Affecting Your Policy

Premiums and coverage may vary based on:

  • Location and seismic risk of your property

  • Age and condition of your home

  • Coverage limits and deductible you choose

  • Type and value of the property being insured

Protect Your Home and Finances

Earthquakes are unpredictable, but your protection doesn’t have to be. Contact us today to get a quote and expert guidance on the earthquake insurance policy that fits your needs and budget. Don’t wait until it’s too late — safeguard your property and peace of mind now.

Click And Learn

Dwelling
Personal Property
Additional Living Expenses

Dwelling coverage

Risk Factors

An earthquake can damage your home and the internal structure of your home. You must pay for repairs from your pocket if you don't have coverage.

Solution

This coverage accounts for the rebuild or repair cost of the home and other structures on the property in the event of earthquake damages.

Personal property coverage

Risk Factors

An earthquake can cause damage to your interior furniture & fixtures, and you are bound to pay for their replacement.

Solution

If your personal property, like furniture, electronics, or other valuables, is damaged in an earthquake, you are covered up to certain limits.

Additional living expenses coverage

Risk Factors

While your house is under repair, you need another place to stay, like a hotel. If you don’t have enough coverage, you need to pay the accommodation expenses yourself.

Solution

This coverage pays additional living expense costs needed if you are required to live elsewhere temporarily due to earthquake damage to your home.
linkedin facebook pinterest youtube rss twitter instagram facebook-blank rss-blank linkedin-blank pinterest youtube twitter instagram