Home Repairs
Coverage may address qualifying earthquake damage to the insured dwelling and certain attached structural property according to policy terms.
Earthquake Insurance
Protection when the ground starts to move.
Standard homeowners insurance generally does not cover earthquake damage. Earthquake insurance can provide separate protection for qualifying damage to your home, belongings and certain living expenses.
Seismic Protection
Separate property protection for
qualifying earthquake-related losses.
01
Dwelling
Qualifying structural damage
02
Belongings
Subject to policy limits
03
Living Expenses
When provided by the policy
04
Separate Coverage
Different from homeowners insurance
Earthquake Protection
Your homeowners policy may leave a gap for earthquake damage.
Standard homeowners insurance generally excludes damage caused by earthquakes and other earth movement. Earthquake protection may be available through separate insurance or an applicable policy endorsement.
Coverage, deductibles, limits and available policy forms differ by carrier and location.
Earthquake Coverage
What may earthquake insurance include?
Coverage differs by state, carrier and policy form. Review the actual limits and deductible before selecting a policy.
Personal Belongings
Certain personal property may be insured against qualifying earthquake damage, subject to limits and exclusions.
Additional Living Expenses
Certain policies may address qualifying temporary living costs when covered earthquake damage makes the residence unusable.
Structural Damage
Ground movement can damage more
than the surface you can see.
Property Damage
Earthquake damage can affect several parts of a home.
The type and extent of damage depends on the structure, foundation, location and intensity of ground movement.
01
Structural components
Walls, framing and other structural components can be affected by shaking.
02
Foundation
Ground movement can affect foundations and structural support.
03
Interior property
Shaking can damage qualifying personal belongings inside the home.
04
Habitability
Severe covered damage may make a residence temporarily unusable.
Separate Policies
Not every loss after an earthquake belongs to one policy.
Different types of resulting damage can fall under different insurance policies. Review the policy language that applies.
Earthquake Damage
Qualifying direct physical earthquake damage may fall under earthquake insurance according to policy terms.
Flood Damage
Flooding generally requires separate flood insurance even when an earthquake contributes to the event.
Vehicle Damage
Damage to a vehicle is generally addressed through applicable auto coverage rather than a residential earthquake policy.
Property Review
The home itself can affect the insurance discussion.
Property characteristics can be part of earthquake insurance underwriting and pricing decisions.
Seismic exposure varies between regions and individual properties.
Building type and construction details may affect policy information.
Foundation design may be relevant to structural earthquake risk.
Property and rebuilding information may be considered when setting limits.
Visible Damage
Cracks may be visible,
while other structural damage may not be.
Policy Details
Look beyond the coverage name.
Deductible
Earthquake deductibles can work differently from standard homeowners deductibles. Review how the policy calculates yours.
Dwelling Limit
Check the amount available for qualifying covered damage to the insured structure.
Property Limit
Personal property limits can differ from the amount shown for the dwelling.
Exclusions
Review exclusions, limitations and conditions before choosing a policy.
Before a Loss
Insurance is one part of property preparation.
Property condition and structural details can affect how a home responds to seismic movement. Insurance addresses covered financial losses according to the policy issued.
Property information
Keep accurate information about the building, construction and major updates.
Coverage review
Check dwelling, personal property and living-expense limits when comparing policies.
Policy documents
Keep policy information accessible and review carrier requirements before a loss occurs.
Getting Started
Start with the property and the protection you need.
Basic property information can begin the earthquake insurance conversation.
01
Tell us about the property.
Share the address, construction and basic building information.
02
Discuss your coverage needs.
Consider the dwelling, belongings and potential temporary living costs.
03
Review policy details.
Compare available limits, deductibles and carrier requirements.
04
Select your next step.
Review the policy information before choosing the coverage you want.
Earthquake FAQ
Common questions.
Coverage availability and policy structure vary by state and carrier.
Standard homeowners insurance generally does not cover direct earthquake damage. Separate earthquake insurance or an applicable endorsement may be needed.
Depending on the policy, earthquake insurance may address qualifying damage to the home, personal belongings and certain additional living expenses.
Flood damage generally requires separate flood insurance. Coverage depends on the cause of loss and the policies involved.
Earthquake policies can use deductibles that differ from standard homeowners insurance. Some policies use a percentage of the applicable coverage limit. Review the policy for the exact calculation.
Information may include the property address, construction, year built, foundation information, dwelling details, requested coverage and other information required by the carrier.
Earthquake Insurance
Prepare the property coverage before the ground moves.
Tell Trinity about your property and earthquake insurance needs to begin reviewing available coverage choices.