Societies Insurance

Get a free quote

Earthquake Insurance - Let us find your best coverage - protect your home, belongings and living expenses when the ground shakes

Most homeowners, condo and renters policies exclude earthquake damage, and private earthquake coverage can be hard to find at an affordable price.  Send us a few details and we will shop 50+ carriers for your best rate – no cost, no obligation. Prefer to talk? Call 800-616-3490.

Earthquake Insurance Quote Request

Applicant Information:

Have these handy

  • Property address, year built and square footage
  • Construction and foundation type (wood frame, slab, raised, etc.)
  • Any seismic retrofit work (bolting, cripple-wall bracing)
  • Your current homeowners or condo policy declarations page

Related coverage

Earthquake coverage

What earthquake insurance covers

Standard homeowners, condo and renters policies exclude earthquake damage. A separate earthquake policy or endorsement fills that gap.

  • Dwelling - Repairs or rebuilds your home's structure, including the foundation, walls, roof and attached fixtures.
  • Other structures - Detached garages, sheds, fences and retaining walls on your property.
  • Personal property - Furniture, electronics, clothing and other belongings damaged by shaking.
  • Loss of use - Hotel, rent, meals and other added living costs while your home is being repaired.
  • Building code upgrades - Extra cost to rebuild to current seismic codes after a covered loss.
  • Emergency repairs - Bracing and debris removal to prevent further damage right after a quake.

Deductibles: earthquake deductibles are a percentage of your dwelling limit (typically 5% to 25%) rather than a flat dollar amount.

Not covered: damage from flood, tsunami or fire is usually covered under other policies, and earth movement that is not caused by an earthquake (such as settling) is excluded. California homeowners may also compare California Earthquake Authority (CEA) options, and we can quote private coverage alongside or in excess of CEA limits.

Insurance Application:

Personal Earthquake – Homeowners / Dwelling / Condo / Renters

Required forms

Personal Earthquake Supplemental Application (PDF)

Download, complete and email to info@societiesinsurance.com, or attach it with your quote request.

Home knocked off its foundation by an earthquake
Contact details

Prefer to talk?

Scroll to Top