UPNIN INSURANCE
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How earthquake insurance works
  • It provides coverage if your home is destroyed by an earthquake.
  • It's a separate endorsement you must buy and add to your homeowner or renter policy.
  • You can also buy a stand-alone policy separate from your homeowner policy.
  • It's usually sold with deductibles equaling 10 to 25 percent of the structure’s policy limit.
  • It only pays for damages that exceed the deductible.
  • There may be a separate deductible for contents, structure and unattached structures like garages, sheds, driveways, or retaining walls.
  • Generally, this coverage isn't available to buy for a period of time after an earthquake.
What to expect from insurers
Some earthquake insurers may require an inspection of your property before they'll issue you a policy. They may even have different coverage requirements, such as:
  • The location of your home
  • Your home must be bolted to its foundation
  • The location and bracing of your home's interior walls
  • You must have strapping guards to secure fixtures, such as hot-water heaters
What damage it may cover
  • Landslides
  • Settlements
  • Mudflows
  • Rising, sinking and contracting of earth
What damage it may not cover
  • Floods
  • Tidal waves or tsunamis - even when caused by an earthquake
To see if you're covered or not for these types of damages, talk to your agent or broker and be sure to read your policy.
Get Earthquake Quote Now

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  • Home
  • About
    • Core Values
    • Insurance Carriers
    • Careers
    • Products >
      • Motor Vehicles >
        • Auto Insurance
        • ATV Insurance
        • Roadside Assistance
        • RV Insurance
      • Business >
        • Business Insurance
        • Business Owners Package (BOP)
        • Internet Security Insurance
        • Insurance Bonds
        • Key Person Policy
        • Group Benefits
        • Workers Compensation
      • Health >
        • Health Insurance
        • Critical Illness Insurance
        • Dental Insurance
        • Long Term Care Insurance
        • Medicare Supplement Coverage
        • Vision Insurance
      • Life/ Financial >
        • Life Insurance
        • Annuities
        • Disability Insurance
        • Final Expense Insurance
        • Financial Planning
      • Property >
        • Home Insurance
        • Condo Insurance
        • Earthquake Insurance
        • Flood Insurance
        • Landlords Insurance
        • Renters Insurance
      • Other >
        • Boat Insurance
        • Umbrella Insurance
        • Wedding Insurance
  • Quotes
    • Auto Quotes >
      • Auto Quote
      • Classic Car Insurance Quote
      • Motorcycle Insurance Quote
      • RV Insurance Quote
    • Business Quote >
      • Business Insurance Quote
      • Business Owners Package (BOP) Insurance Quote
      • Apartment Statement of Value
      • Builders Risk Application
      • Child Care Application
      • Group Benefits Insurance Quote
      • Insurance Bond Quote
      • Roofers Supplemental
      • Oil & Gas
      • Workers Compensation Quote
    • Health >
      • Health Quote
      • Critical Illness Insurance Quote
      • Dental Insurance Quote
      • Long Term Care Insurance Quote
      • Medicare Supplement Coverage Quote
      • Vision Insurance Quote
    • Life & Financial Quote >
      • Life Insurance Quote
      • Annuity Quotes
      • Disability Insurance Quote
      • Final Expense Insurance Quote
    • Property Quotes >
      • Homeowner Insurance Quote
      • Condo Insurance Quote
      • Earthquake Insurance Quote
      • Flood Insurance Quote
      • Landlord Insurance Quote
      • Renters Insurance Quote
    • Other Quotes >
      • ATV Insurance Quote
      • Boat Insurance Quote
      • Event Insurance Quote
      • Non Profit
      • Roadside Assistance Quote
      • Umbrella Insurance Quote
      • Travel Insurance Quote
      • Wedding Insurance Quote
  • Service
    • Report A Claim
    • Make A Payment
    • Update Contact Info
    • Change My Policy
    • Proof of Insurance
    • Online Documents
    • Free Consulation
    • Common Insurance Terms
  • Agents
    • Custom Websites
    • Client Support
    • FAQs
    • Agent Login
  • Contact Us