Earthquake Insurance

Many people assume a homeowners policy will cover damage caused by earthquakes, but that isn’t usually true. You would need optional earthquake coverage to help with major expenses like:

Making structural repairs
Rebuilding your house
Paying for temporary housing
Replacing personal property

The cost of earthquake coverage varies significantly — it all depends on your area’s level of risk. Premiums can be relatively inexpensive if you live where earthquakes are rare, and relatively expensive where they happen more frequently.

Your Farmers agent can review your current coverage and help as you determine whether your home is protected the way you want.

In California, where earthquake insurance is issued by the California Earthquake Authority, 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.

Francis Barra lived in Far Rockaway, New York, when Hurricane Sandy struck.

"We had all the stuff you can't replace in the basement: photos, books, marathon medals," he says. "In 15 minutes, water filled the basement to the ceiling."

Read the story: Genius Ideas for Disaster-Proofing Heirlooms and Mementos in Your Home

"Lets get you started on a quote, all we need is your zipcode."

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Products & features may not be available in all states & may vary by state. Restrictions, exclusions, limits, and conditions apply.

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**Between 7/1/15 and 9/30/15, the average estimated savings off MSRP presented by TrueCar Certified Dealers to users of TrueCar powered websites, based on users who configured virtual vehicles and who TrueCar identified as purchasing a new vehicle of the same make and model listed on the certificate from a Certified Dealer as of 10/31/2015, was $3,279. Your actual savings may vary based on multiple factors including the vehicle you select, region, dealer, and applicable vehicle specific manufacturer incentives which are subject to change. The Farmers Car Shopping Service website is owned and operated by TrueCar, which is not affiliated with any of the companies comprising the Farmers Insurance Group of Companies.