Earthquake insurance in Seattle, Bellevue, Tacoma, Everett and all of Washington.

Even with your homeowner’s insurance, you’re still at risk in the event of an earthquake. A specialty earthquake insurance policy can help bridge the gap in coverage, keeping your home and possessions protected.

You might think an earthquake event would be covered by your homeowner’s insurance, but that’s not usually the case. The vast majority of policies specifically exclude it, mainly because it’s a low-risk event, which means any payout is likely to be extremely high.

The good news is that you can buy specific earthquake insurance to cover damage and destruction to both your home and your building. Generally, the deductible is far higher than with ordinary household insurance. Although policies cover damage to homes, the main aim of earthquake insurance is to cover the risk of total destruction.

Depending on your location, you may need to shop around for earthquake insurance. In California, your homeowner’s insurance provider is required to also offer earthquake insurance, although they won’t necessarily offer the best deal. One thing to watch for is insurers that stop taking on new policies in an area several weeks after a major earthquake because of the increased risk of aftershocks.

The costs of earthquake insurance depend on your specific location, the value of your property and the materials it is built from.

For more details about your earthquake insurance options, contact us today.

Let’s discuss your earthquake insurance.

One of our insurance advisors will reach out to you to review your information and present you with the appropriate earthquake insurance solution. There’s no obligation, just good-old-fashioned advice.
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Insurance Connections Northwest offers comprehensive earthquake insurance throughout all of Washington including King, Snohomish, Pierce, and Kitsap counties and the cities of Seattle,Tacoma, Bellevue, Kirkland, Redmond and Sammamish.