Protect Your Florida Home From Earthquake Damage.
Standard homeowners insurance typically excludes direct damage caused by earthquakes. Separate earthquake coverage or an endorsement may help protect your home and belongings from this specialized risk.
Most home insurance policies don’t cover earthquakes.
Standard homeowners insurance policies typically exclude direct damage caused by earthquakes. Earthquake protection may be available through an endorsement added to a homeowners policy or through a separate earthquake insurance policy. Coverage availability, limits, deductibles, and exclusions vary by insurance company and policy.
What Can Earthquake Insurance Cover?
Depending on the policy, earthquake insurance may help pay for direct earthquake damage to your dwelling, certain detached structures, and personal belongings. Coverage may also include additional living expenses when covered earthquake damage makes your home temporarily uninhabitable.
Earthquake policies commonly use percentage-based deductibles rather than the flat-dollar deductibles frequently found in homeowners insurance. These deductibles can be substantial, so homeowners should understand exactly how the deductible applies before purchasing coverage.
What May Earthquake Insurance Not Cover?
Earthquake insurance is not designed to cover every loss that happens during or after an earthquake. Depending on the policy, exclusions may apply to vehicles, land, pre-existing damage, flooding, and certain types of exterior materials or structures.
Some damage that occurs after an earthquake may fall under another insurance policy. For example, vehicle damage may be addressed by auto insurance, while qualifying flood damage generally requires flood insurance.
Always review the earthquake policy together with your homeowners, auto, and flood coverage so you understand where each policy begins and ends.
How much does earthquake insurance cost?
The cost of earthquake insurance depends on several factors, including the home’s location, age, construction type, rebuilding cost, coverage limits, and deductible. Insurance companies may also evaluate the property’s susceptibility to earthquake damage when determining eligibility and premium.
Do you need earthquake insurance?
Whether earthquake insurance makes sense depends on your property, financial situation, available coverage, deductible, and your willingness to assume the risk yourself. Consider how you would pay to repair or rebuild your home, replace damaged belongings, or live elsewhere temporarily after a major earthquake if your homeowners policy excludes the loss.
Factors to consider when getting earthquake coverage.
Earthquake insurance policies can differ significantly in coverage, deductibles, limits, and exclusions. When comparing options, review whether the policy covers the dwelling, other structures, personal property, additional living expenses, building-code upgrades, and other costs that may arise after an earthquake.
Also review what the policy excludes. Earthquake insurance generally does not cover damage to vehicles. Vehicle damage caused by an earthquake may instead be covered under the appropriate auto insurance coverage. Flooding or external water damage following an earthquake may also require separate flood insurance.
First Florida Agency can help you review available earthquake insurance options and understand how the coverage works alongside your homeowners, auto, and flood insurance. Contact us to discuss your individual needs.
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