Definition
Earthquake insurance is a separate policy in earthquake-prone areas. Standard homeowners policies exclude earthquake damage—it's not included by default.
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Standard homeowners policies exclude earthquake damage. Earthquake insurance provides coverage in seismic regions. Higher deductibles are typical.
Pro Tip
In seismic areas, earthquake insurance is affordable. Purchase it if rebuilding is important to you.
Example
Earthquake insurance for California property with 15% deductible and $300,000 coverage.