Earthquake Insurance

Many people assume a homeowners insurance policy will cover damage caused by earthquakes, but that isn’t usually true.

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.

Farmers offers earthquake insurance for homeowners and renters. Your Farmers agent can review your current coverage to help you determine whether your home or apartment is protected the way you want and tell you how much it would cost to add earthquake coverage to your policy.

California Earthquake Authority (CEA)

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.

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

Advertisement produced on behalf of the following specific insurers and seeking to obtain business for insurance underwritten by Farmers Insurance Exchange, Fire Insurance Exchange, Truck Insurance Exchange, Mid-Century Insurance Company, Civic Property and Casualty Company, Exact Property and Casualty Company, Neighborhood Spirit Property and Casualty Company, Farmers Insurance Company of Washington (Bellevue, WA) or affiliates. In TX: insurance is underwritten by Farmers Insurance Exchange, Fire Insurance Exchange, Truck Insurance Exchange, Mid-Century Insurance Company, Farmers Texas County Mutual Insurance Company, Mid-Century Insurance Company of Texas or Texas Farmers Insurance Company. In NY: insurance is underwritten by Farmers Insurance Exchange, Truck Insurance Exchange, Mid-Century Insurance Company or Farmers New Century Insurance Company. Home office, Los Angeles, CA.

Each of following insurers who transact business in California are domiciled in California and have their principal place of business in Los Angeles, CA: Farmers Insurance Exchange (#R 201), Fire Insurance Exchange (#1267-4), Truck Insurance Exchange (#1199-9), Mid-Century Insurance Company (#1428-2), Civic Property and Casualty Company (#4241-6), Exact Property and Casualty Company (#4240-8), Neighborhood Spirit Property and Casualty Company (#4242-4).

Life insurance issued by Farmers New World Life Insurance Company, a Washington domestic company: 3120 139^th Ave. SE, Ste. 300 Bellevue, WA 98005 (CA#: 0378-0). Farmers New World Life is not licensed and does not solicit or sell in the state of New York.

Securities offered through Farmers Financial Solutions, LLC, (In NY: Farmers Financial Solutions and Insurance Agency), 31051 Agoura Road, Westlake Village, CA 91361. Member FINRA & SIPC

Each insurer has sole financial responsibility for its own insurance. List of all insurers at farmers.com. Not all insurers are authorized in all states. Not all products, coverages, features and discounts are available in every state and may vary by state. Restrictions, exclusions, limits, and conditions apply. See agent for details.