Earthquakes

Earthquake insurance is a policy specifically designed to offer you coverage against some of the damages that occur during and after an earthquake.

Be aware that many earthquake insurance policies are not available shortly after an earthquake. Also, earthquake insurance may cover sinkholes, tremors and mudslides.

How Much Is an Earthquake Insurance Quote in WA?

The cost of earthquake insurance varies depending on a number of contributing factors. When shopping online for earthquake insurance, make sure to be familiar with the following:

  • Location of home
  • Building materials used in construction of home
  • Number of levels in home
  • Whether water heater and other items are strapped down in home
  • If electrical/plumbing is up to code
  • Desired deductibles
  • Desired coverages

Earthquake Safety Tips

Whether you’re a new transplant to Washington, or are a long-time resident of the state, it’s important to be familiar with earthquake safety:

  • Remember: drop, cover and hold. When you feel an earthquake, find a place under a desk or a table away from windows and shelving that may fall. Hold on, and move with the item you are holding onto.
  • Never go outside during an earthquake.
  • If you are outside during an earthquake, move away from anything that can fall, including signs, power lines and trees.
  • Establish a safety plan with your family, and practice it.
  • Have an out-of area-contact that you can call in case of an earthquake. Have this be the main point of contact for your family in case you get separated during or after an earthquake.
  • If you are in a vehicle during an earthquake, slowly pull off to the side of the road, away from signs, trees and power lines, and cover your head and neck until the shaking stops. 

Nobody expects an earthquake, which is why being prepared is so essential.



Earthquake Insurance Coverages

This portion of the policy provides coverage for your home and any attached structures.

This coverage usually applies to detached structures, such as shops, pool houses or detached garages.

Some home owners decide that they’d like coverage for their personal belongings in case of an earthquake. This can cover those assets.

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