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.


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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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