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