What Does Earthquake Insurance Cover?
You would need optional earthquake insurance coverage to help with major expenses like:
- Making structural repairs
- Rebuilding your house
- Paying for temporary housing
- Replacing personal property
How Much Does Earthquake Insurance Cost?
The cost of earthquake insurance coverage varies significantly — it all depends on your area’s level of risk. Earthquake insurance premiums can be relatively inexpensive if you live where earthquakes are rare, and relatively expensive where they happen more frequently.
In California, where earthquake insurance is issued by the California Earthquake Authority (CEA), you can purchase this coverage through a Farmers agent. If you live in other states, your agent can discuss earthquake insurance options so you can select the coverage that you want.
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