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Earthquake Insurance

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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.

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Why choose Farmers?
We’ve spent 90 years putting customers first — personalized attention is a hallmark of the Farmers experience.

the value of a Farmers agent

The value of a Farmers agent

Are you shopping for coverage? Ready to get an auto insurance quote? Maybe you have a question about a policy or need to file a claim. Be sure to let a Farmers agent deliver personalized service and support.
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The ease of a Farmers claim

You’ll experience a similar level of care from our knowledgeable claims representatives, who will provide assistance as quickly as possible.
In the unfortunate event of a large-scale disaster, Farmers may even dispatch a Catastrophe Response Team in a Mobile Claims Center bus to process claims on-site in real time.
The experience of Farmers insights

The experience of Farmers insights

You’ll probably have a few questions as you research home insurance coverage. If you’re not yet ready to speak with an agent, we might still have the answers you’re looking for. Explore helpful information here.


Learn From Experience

Expand your knowledge base with articles relevant to you.

Earthquake Preparedness

No one can predict when an earthquake may strike, but you can be proactive and be prepared.

How to Prepare for an Event That Feels "Like a Truck Slamming into Your House"
Live in an earthquake zone? Learn five DIY earthquake safety tips to consider for updating your home, from an earthquake scientist who lives on a fault zone.

Does Home Insurance Cover My Foundation?

Whether foundation repairs are covered depends on the source of the damage. Every part of your home, including the foundation, is subject to wear and tear over the years. Foundations can settle, develop cracks and lose their ability to seal out water.

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Talk to a Farmers® agent about eqrthquake insurance so you can choose the additional liability coverage you want.

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