Last updated: March 2026
How Much Does Earthquake Insurance Cost?
Cost Breakdown by Type
| Type / Procedure | Without Insurance | With Insurance |
|---|---|---|
| Low-Risk Area (annual) | $0 – $0 | $200 – $500 |
| Moderate-Risk Area (annual) | $0 – $0 | $500 – $2,000 |
| High-Risk Area - California (annual) | $0 – $0 | $1,500 – $5,000 |
What Affects the Cost
- Your age, location, and health status
- Coverage level and deductible chosen
- Provider or carrier
- Claims history
- Credit score (for some insurance types)
- Discounts available (bundling, loyalty, safe driver, etc.)
Insurance Coverage
Typical coverage: Standard homeowner's insurance does not cover earthquake damage. Separate earthquake insurance is available through private insurers or state programs like the CEA.
Insurance costs vary widely based on coverage level, location, age, and claims history. Shopping around and comparing quotes is the single most effective way to save money on insurance premiums.
How to Save Money
- Compare quotes from at least 3-5 providers
- Bundle policies (home + auto) for 10-25% discounts
- Choose higher deductibles for lower monthly premiums
- Ask about all available discounts
- Review coverage annually during open enrollment
- Consider employer-sponsored plans which subsidize 50-80% of premiums
Related Procedures & Costs
Frequently Asked Questions
Earthquake insurance costs $200 to $500 per year in low-risk areas and $1,500 to $5,000 or more per year in high-risk areas like California.
It depends on location. In California and the Pacific Northwest, it is strongly recommended. High deductibles (10-25% of dwelling coverage) should be factored into the value assessment.
Earthquake insurance covers structural damage to your home, personal property damage, and additional living expenses while your home is being repaired.