{"id":308,"date":"2020-04-24T14:23:37","date_gmt":"2020-04-24T19:23:37","guid":{"rendered":"http:\/\/guaranteedrate.wpengine.com\/?page_id=308"},"modified":"2025-10-17T17:20:54","modified_gmt":"2025-10-17T22:20:54","slug":"earthquake-insurance","status":"publish","type":"page","link":"https:\/\/www.rate.com\/insurance\/earthquake-insurance\/","title":{"rendered":"Earthquake Insurance"},"content":{"rendered":"\t<div class=\"wp-block block-hero hero-v2 hero-refresh  bg-white \">\n\t\t<div class=\"row align-items-center\">\n\t\t\t<div class=\"col-lg-6 col-xl-5 order-2\">\n\t\t\t\t<div class=\"caption-overlay text-center text-lg-left\">\n\t\t\t\t\t\t\t\t\t\t\t<h1 class=\"title-hero\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<small>Earthquake Insurance<\/small>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\tIs your home prepared for the next earthquake?\t\t\t\t\t\t<\/h1>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"hero-copy lead\">\n\t\t\t\t\t\t\tLearn how earthquake insurance shields your home from costly repairs and loss. Get a quote online with just a few clicks.\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\n\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.getquake.com\/rateins\"  target=\"_blank\" class=\"btn btn-lg btn-primary\">\n\t\t\t\t\t\t\t\tGet My Quote\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t<\/div>\n\n                            <picture class=\"hero-img col-lg-6\">\n                    <source media=\"(min-width: 768px)\" data-srcset=\"https:\/\/www.rate.com\/insurance\/wp-content\/uploads\/2025\/07\/Untitled-723-x-512-px-8.png 723w, https:\/\/www.rate.com\/insurance\/wp-content\/uploads\/2025\/07\/Untitled-723-x-512-px-8-200x142.png 200w\">\n                    <source data-srcset=\"https:\/\/www.rate.com\/insurance\/wp-content\/uploads\/2025\/07\/Untitled-723-x-512-px-8.png 723w, https:\/\/www.rate.com\/insurance\/wp-content\/uploads\/2025\/07\/Untitled-723-x-512-px-8-200x142.png 200w\">\n                    <img data-src=\"https:\/\/www.rate.com\/insurance\/wp-content\/uploads\/2025\/07\/Untitled-723-x-512-px-8.png\" class=\"img-fluid lazyload\" alt=\"\">\n                <\/picture>\n            \n                    <\/div>\n\n\t<\/div>\n\n\t<div class=\"wp-block block-logos bg-200\">\n        <div class=\"container\">\n            <div class=\"content-logos\">\n                                    <h2 class=\"title-block mb-1 mb-md-0\">\n                        We work with top-rated earthquake insurance carriers to get you the coverage you need.                     <\/h2>\n                                <ul class=\"list-unstyled list-logos row mb-0  justify-content-center\">\n                                                <li class=\"\">\n                                                                <img data-src=\"https:\/\/www.rate.com\/insurance\/wp-content\/uploads\/2021\/09\/cea-logo.png\" width=\"197\" height=\"34\" alt=\"California Earthquake Authority\" class=\"img-fluid lazyload\">\n                                                            <\/li>\n                                                <li class=\"\">\n                                                                <img data-src=\"https:\/\/www.rate.com\/insurance\/wp-content\/uploads\/2022\/10\/geovera-loga.png\" width=\"167\" height=\"67\" alt=\"GeoVera\" class=\"img-fluid lazyload\">\n                                                            <\/li>\n                                                <li class=\"\">\n                                                                <img data-src=\"https:\/\/www.rate.com\/insurance\/wp-content\/uploads\/2021\/09\/palomar-logo.png\" width=\"197\" height=\"28\" alt=\"Palomar\" class=\"img-fluid lazyload\">\n                                                            <\/li>\n                                    <\/ul>\n                                            <\/div>\n        <\/div>\n\t<\/div>\n\n\n\n\t<div class=\"wp-block block-testimonials v2\">\n        <div class=\"container\">\n                            <div class=\"title-block\">\n                    <h2 style=\"text-align: center\"><span class=\"text-brand-base\">4.9 stars<\/span><br \/>\nrating from 5k+ Google verified reviews<\/h2>\n<p style=\"text-align: center\">We\u2019ve helped thousands find the perfect insurance and we\u2019d like to help you too.<\/p>\n                <\/div>\n                                    <div class=\"v2-swiper-wrapper\">\n                <div class=\"static-testimonials swiper-testimonials-v2\">\n                    <ul class=\"list-unstyled list-quotes\">\n                        \t\t\t\t\t\t\t<li class=\"swiper-slide\">\n                                <blockquote class=\"blockquote order-2\">\n                                    <div class=\"quote-excerpt\">Our team was amazing, everyone was willing to go the extra mile for us\u2026<\/div>\n\t\t\t\t\t\t\t\t    <p>We had many questions and need a lot of guidance through the process. Our team was amazing, everyone was willing to go the extra mile for us. We always had an answer to our questions and were provided with all the tools necessary to make the right choice.\u201d<\/p>\n                                    <footer class=\"blockquote-footer\">Katherine L                                                                                    <strong class=\"d-block verified\">Verified Customer<\/strong>\n                                                                            <\/footer>\n                                <\/blockquote>\n\t\t\t\t\t\t\t<\/li>\n                        \t\t\t\t\t\t\t<li class=\"swiper-slide\">\n                                <blockquote class=\"blockquote order-2\">\n                                    <div class=\"quote-excerpt\">The whole process has been extremely easy\u2026<\/div>\n\t\t\t\t\t\t\t\t    <p>First time home buyer, and the whole process has been extremely easy for me with your help.\u201d<\/p>\n                                    <footer class=\"blockquote-footer\">Clark R                                                                                    <strong class=\"d-block verified\">Verified Customer<\/strong>\n                                                                            <\/footer>\n                                <\/blockquote>\n\t\t\t\t\t\t\t<\/li>\n                        \t\t\t\t\t\t\t<li class=\"swiper-slide\">\n                                <blockquote class=\"blockquote order-2\">\n                                    <div class=\"quote-excerpt\">Great rate. Wonderful customer service\u2026<\/div>\n\t\t\t\t\t\t\t\t    <p>Great rate. Wonderful customer service. Answer all my questions expeditiously especially since I am purchasing property out of state. Highly recommended. Everything done over the computer and phone with my information secure. Thank you.\u201d<\/p>\n                                    <footer class=\"blockquote-footer\">Elaine W                                                                                    <strong class=\"d-block verified\">Verified Customer<\/strong>\n                                                                            <\/footer>\n                                <\/blockquote>\n\t\t\t\t\t\t\t<\/li>\n                        \t\t\t\t\t<\/ul>\n                <\/div>\n                \n                            <\/div>\n\t\t<\/div>\n\t<\/div>\n\n\n\t<div class=\"wp-block block-columns container \">\n\t\t            <header class=\"header-section \">\n\t\t\t\t\t\t\t\t<div>\n\t\t\t\t\t<h2>The Basics<\/h2>\n<p>Earthquake and volcanic eruption damage is not covered by your homeowners policy. However, earthquake insurance may be recommended or even required by law, based on where you live.<\/p>\n\t\t\t\t<\/div>\n            <\/header>\n\t\t\t\t\t\t\t<div class=\"row mx-md-0\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"item-column col-md-6\">\n                            \t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<h3 class=\"title-content\">\n\t\t\t\t\t\t\t\t\tDwelling\t\t\t\t\t\t\t\t<\/h3>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<p>After an earthquake or volcano, your policy will pay to repair or rebuild your home.<\/p>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"item-column col-md-6\">\n                            \t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<h3 class=\"title-content\">\n\t\t\t\t\t\t\t\t\tOther structures\t\t\t\t\t\t\t\t<\/h3>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<p>In addition to your home, protection is provided for your garage, fence and other structures that live on your property.<\/p>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"item-column col-md-6\">\n                            \t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<h3 class=\"title-content\">\n\t\t\t\t\t\t\t\t\tPersonal property\t\t\t\t\t\t\t\t<\/h3>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<p>Belongings, like furniture or clothes, can be replaced if destroyed during a seismic event.<\/p>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"item-column col-md-6\">\n                            \t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<h3 class=\"title-content\">\n\t\t\t\t\t\t\t\t\tDisplacement\t\t\t\t\t\t\t\t<\/h3>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<p>The temporary living costs, like food and hotels, are covered while your home is being rebuilt.<\/p>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t<\/div>\n\n\t<div class=\"wp-block block-columns container no-borders\">\n\t\t\t\t\t\t\t<div class=\"row mx-md-0\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"item-column col-md-6\">\n                            \t\t\t\t\t\t\t\t\t\t\t\t\t\t<h2>Optional coverages<\/h2>\n<p>Discover additional coverage options to ensure that all of your individual insurance requirements are covered.<\/p>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"item-column col-md-6\">\n                            \t\t\t\t\t\t\t\t\t\t\t\t\t\t<ul>\n<li>\n<h3>Breakables<\/h3>\n<p>Breakables policy can provide you additional coverage for glassware, china and pottery.<\/li>\n<li>\n<h3>Exterior masonry veneer<\/h3>\n<p>Coverage for decorative elements on exterior walls is also available.<\/li>\n<li>\n<h3>Building code upgrades<\/h3>\n<p>Older homes may need to be rebuilt to code. The additional cost of these upgrades may be covered.<\/li>\n<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t<\/div>\n\n\t<div class=\"wp-block block-cta-simple mb-7 container \">\n\t\t<div class=\"row\">\n            <div class=\"col-lg-10 mx-lg-auto\">\n                <h2 style=\"text-align: center;\">You could save up to 20% on your insurance by bundling<\/h2>\n<p style=\"text-align: center;\">Save with a multi-policy discount when combining auto, home, renters and condo insurance.<\/p>\n\t\t\t\t\t\t\t\t\t<p class=\"text-center mt-3\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<button type=\"button\" class=\"btn btn-lg btn-primary\" data-target=\"#quoteModal\">\n\t\t\t\t\t\t\t\tGet Your Free Quote\t\t\t\t\t\t\t<\/button>\n\t\t\t\t\t\t\t\t\t\t\t<\/p>\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t<\/div>\n\n<div class=\"container wp-block block-related-posts\">\n                <aside class=\"post-aside post-tags text-xs \">\n                                    <h2 class=\"title-related\">Related Posts<\/h2>\n                                <ul class=\"list-unstyled row\">\n                                            <li class=\"col-md-6 col-lg-4\">\n                            \n<article class=\"rounded-lg post-8791 post type-post status-publish format-standard has-post-thumbnail hentry category-home category-weather tag-home-insurance tag-natural-disasters\" id=\"post-8791\">\n\n    <img loading=\"lazy\" decoding=\"async\" width=\"519\" height=\"330\" src=\"https:\/\/www.rate.com\/insurance\/wp-content\/uploads\/2022\/03\/10-519x330.png\" class=\"rounded-lg img-fluid mb-2 wp-post-image\" alt=\"Items in a disaster preparation kit\" \/>\n\t<header class=\"entry-header mb-1\">\n        <div class=\"entry-meta text-xs\">\n            <span class=\"cat-links\"><a href=\"https:\/\/www.rate.com\/insurance\/category\/home\/\" rel=\"category tag\">Home<\/a> <a href=\"https:\/\/www.rate.com\/insurance\/category\/weather\/\" rel=\"category tag\">Weather<\/a><\/span>        <\/div><!-- .entry-meta -->\n\n\t\t<h2 class=\"entry-title h3\"><a href=\"https:\/\/www.rate.com\/insurance\/resources\/natural-disaster-preparation\/\" rel=\"bookmark\" class=\"text-dark\">How to Prepare Your Home and Property for Natural Disasters<\/a><\/h2>\t<\/header><!-- .entry-header -->\n\n\t<div class=\"entry-content text-sm\">\n\t\t<p>No matter which region of the country you live in, there is a potential for natural disasters. Hurricanes, wildfires, and flooding can cause damage over widespread areas and affect millions of people every year. Having an emergency plan in place will help you to remain calm during a very stressful and chaotic time. e time to prepare for natural disasters is time well spent. Read this article for tips on preparing for natural disasters. <\/p>\n        <p><a href=\"https:\/\/www.rate.com\/insurance\/resources\/natural-disaster-preparation\/\" class=\"btn btn-sm btn-outline-primary\">Read more<span class=\"sr-only\"> about How to Prepare Your Home and Property for Natural Disasters<\/span><\/a><\/p>\n\t<\/div><!-- .entry-content -->\n\n<\/article><!-- #post-## -->\n                        <\/li>\n                                            <li class=\"col-md-6 col-lg-4\">\n                            \n<article class=\"rounded-lg post-7814 post type-post status-publish format-standard has-post-thumbnail hentry category-home category-specialty tag-flood-insurance tag-home-insurance tag-specialty-insurance\" id=\"post-7814\">\n\n    <img loading=\"lazy\" decoding=\"async\" width=\"519\" height=\"330\" src=\"https:\/\/www.rate.com\/insurance\/wp-content\/uploads\/2021\/10\/flood-blog-519x330.jpg\" class=\"rounded-lg img-fluid mb-2 wp-post-image\" alt=\"Guaranteed Rate Insurance customer removes belongings from a flooded home flood insurance\" \/>\n\t<header class=\"entry-header mb-1\">\n        <div class=\"entry-meta text-xs\">\n            <span class=\"cat-links\"><a href=\"https:\/\/www.rate.com\/insurance\/category\/home\/\" rel=\"category tag\">Home<\/a> <a href=\"https:\/\/www.rate.com\/insurance\/category\/specialty\/\" rel=\"category tag\">Specialty<\/a><\/span>        <\/div><!-- .entry-meta -->\n\n\t\t<h2 class=\"entry-title h3\"><a href=\"https:\/\/www.rate.com\/insurance\/resources\/flood-insurance\/\" rel=\"bookmark\" class=\"text-dark\">Everything You Need to Know About Flood Insurance<\/a><\/h2>\t<\/header><!-- .entry-header -->\n\n\t<div class=\"entry-content text-sm\">\n\t\t<p>Are you protected if there\u2019s major flooding in your home? You might assume that your basic property insurance covers water damage due to flooding \u2014 but often it\u2019s not included.<\/p>\n        <p><a href=\"https:\/\/www.rate.com\/insurance\/resources\/flood-insurance\/\" class=\"btn btn-sm btn-outline-primary\">Read more<span class=\"sr-only\"> about Everything You Need to Know About Flood Insurance<\/span><\/a><\/p>\n\t<\/div><!-- .entry-content -->\n\n<\/article><!-- #post-## -->\n                        <\/li>\n                                            <li class=\"col-md-6 col-lg-4\">\n                            \n<article class=\"rounded-lg post-7938 post type-post status-publish format-standard has-post-thumbnail hentry category-home category-weather tag-home-insurance tag-hurricane-insurance\" id=\"post-7938\">\n\n    <img loading=\"lazy\" decoding=\"async\" width=\"519\" height=\"330\" src=\"https:\/\/www.rate.com\/insurance\/wp-content\/uploads\/2021\/10\/GettyImages-847689840-519x330.jpg\" class=\"rounded-lg img-fluid mb-2 wp-post-image\" alt=\"Hurricane Winds Knock Down An Oak Tree (Hurricane Irma)\" \/>\n\t<header class=\"entry-header mb-1\">\n        <div class=\"entry-meta text-xs\">\n            <span class=\"cat-links\"><a href=\"https:\/\/www.rate.com\/insurance\/category\/home\/\" rel=\"category tag\">Home<\/a> <a href=\"https:\/\/www.rate.com\/insurance\/category\/weather\/\" rel=\"category tag\">Weather<\/a><\/span>        <\/div><!-- .entry-meta -->\n\n\t\t<h2 class=\"entry-title h3\"><a href=\"https:\/\/www.rate.com\/insurance\/resources\/everything-you-need-to-know-about-hurricane-insurance\/\" rel=\"bookmark\" class=\"text-dark\">What Does Hurricane Insurance Cover?<\/a><\/h2>\t<\/header><!-- .entry-header -->\n\n\t<div class=\"entry-content text-sm\">\n\t\t<p>When a hurricane\u2019s lashing rain and whipping winds threaten your home, the last thing you want to worry about is whether you\u2019re financially protected. Some lenders in hurricane-prone regions in those areas are requiring homeowners to carry additional coverage to protect against losses from hurricanes. Here\u2019s what you should know.<\/p>\n        <p><a href=\"https:\/\/www.rate.com\/insurance\/resources\/everything-you-need-to-know-about-hurricane-insurance\/\" class=\"btn btn-sm btn-outline-primary\">Read more<span class=\"sr-only\"> about What Does Hurricane Insurance Cover?<\/span><\/a><\/p>\n\t<\/div><!-- .entry-content -->\n\n<\/article><!-- #post-## -->\n                        <\/li>\n                                                        <\/ul>\n            <\/aside>\n            <\/div>","protected":false},"excerpt":{"rendered":"","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":true,"inline_featured_image":false,"footnotes":""},"class_list":["post-308","page","type-page","status-publish","hentry"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v19.2 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Do I need earthquake insurance? | Rate.com<\/title>\n<meta name=\"description\" content=\"Earthquake damage usually isn&#039;t covered by your homeowners insurance, but Rate Insurance can get you the earthquake coverage you need.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.rate.com\/insurance\/earthquake-insurance\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Do I need earthquake insurance? | Rate.com\" \/>\n<meta property=\"og:description\" content=\"Earthquake damage usually isn&#039;t covered by your homeowners insurance, but Rate Insurance can get you the earthquake coverage you need.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.rate.com\/insurance\/earthquake-insurance\/\" \/>\n<meta property=\"og:site_name\" content=\"Rate.com\" \/>\n<meta property=\"article:modified_time\" content=\"2025-10-17T22:20:54+00:00\" \/>\n<meta name=\"author\" content=\"blueshoon\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Organization\",\"@id\":\"https:\/\/www.rate.com\/insurance\/#organization\",\"name\":\"Guaranteed Rate Insurance\",\"url\":\"https:\/\/www.rate.com\/insurance\/\",\"sameAs\":[],\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/www.rate.com\/insurance\/#\/schema\/logo\/image\/\",\"url\":\"\",\"contentUrl\":\"\",\"caption\":\"Guaranteed Rate Insurance\"},\"image\":{\"@id\":\"https:\/\/www.rate.com\/insurance\/#\/schema\/logo\/image\/\"}},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/www.rate.com\/insurance\/#website\",\"url\":\"https:\/\/www.rate.com\/insurance\/\",\"name\":\"Rate.com\",\"description\":\"Find car, home, business or life insurance\",\"publisher\":{\"@id\":\"https:\/\/www.rate.com\/insurance\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/www.rate.com\/insurance\/?s={search_term_string}\"},\"query-input\":\"required name=search_term_string\"}],\"inLanguage\":\"en-US\"},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.rate.com\/insurance\/earthquake-insurance\/#webpage\",\"url\":\"https:\/\/www.rate.com\/insurance\/earthquake-insurance\/\",\"name\":\"Do I need earthquake insurance? 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