Understanding Earthquake Coverage

Your home is your biggest investment, and you should always get the protection that it deserves. If something tragic were to happen to your house, you would lose everything that you’ve worked so hard to accumulate. When you’re looking to insure your home, there are several factors that you should be aware of to get the coverage that you need.

While a homeowner’s insurance policy is an excellent way to cover your home and belongings, but these policies don’t cover all of the disasters that could hit your


house. One of the most common perils that aren’t covered under a traditional homeowner’s insurance plan is an earthquake. An earthquake could quickly take out your whole house destroy the majority of your belongings. Depending on your insurance policy, you’ll have to pay to replace everything that you own, as well as your home.

Because of where you live, you may assume that you don’t need earthquake protection for your home, but that might not be true. An earthquake can happen in every state in the United States, but some areas have them more frequently than others, for example, California experiences the most earthquake, but any state west of the Rocky Mountains is at a higher risk of having an earthquake.

Every year there are hundreds and thousands of families that suffer the damages from an earthquake. They can cause a house to become a pile of rubble. Don’t let your house suffer the same fate and not have the insurance policy you need to rebuild your home. We can answer any questions that you have and help connect you with the perfect policy.

What Does Earthquake Insurance Cover?

Before you purchase additional earthquake coverage for your home, it’s important that you understand the policy that you’re getting. Your insurance policy will help you pay for any damage to your home that occurred during the earthquake. Depending on the insurance policy, it may also cover any other buildings on your property that aren’t attached to your home, like a garage or a barn.

Other less common costs are covered under these policies that can be extremely useful in case of a tragedy. One of those is the costs the fees that it would take to have professional clean up any of the destruction caused by the earthquake. It can pay for any additional expenses that you occur if you have to pay for another place to live while you repair your home. If you have to stay in a hotel, your insurance policy will pay for those expenses.

What Earthquake Insurance Doesn’t Cover

While these plans are a great way to get additional coverage and fill in the holes left behind by your homeowner’s insurance policy, there are a few common expenses that it doesn’t pay for. One of those expenses is any vehicles that are damaged during the tragedy, even if those cars were in your garage when they were damaged. For any cars, you’ll have to check your auto insurance to see if earthquake damage is covered under that plan.

Another expense that isn’t covered under these supplemental plans is any land damaged. For example, let’s say the earthquake causes damage through a crack or giant hole someone on your property, your insurance policy isn’t going to pay for any of the costs to fix it.

Another common expense that won’t be covered is any water damage that occurs because of the natural disaster. If your home is flooded because of the earthquake, this policy isn’t going to pay for any of those repairs, which can become extremely expensive. If you want coverage from water damage, you’ll need to get additional cover through your homeowner’s policy.

Do you need Earthquake Insurance?

There are plenty of different aspects that you should consider when you’re looking to get the homeowner’s insurance coverage. The first thing that you need to consider is how prevalent is your area for earthquakes? If they aren’t common, you can take the risk of forgoing one of these plans. But understand, that you’re still taking a risk. Regardless of where you live, there is always a chance that your home could be damaged by an earthquake.

The next factor that you should consider is your budget. Adding more insurance protection is going to translate into higher monthly premiums. You’ll want to make sure that you’ll be able to comfortably afford the higher rates with the earthquake insurance. There are plenty of ways that you can get affordable homeowner’s insurance.


Your home is your biggest investment. It’s where you’ve made countless memories and where you keep all of your prized possessions. If anything were to happen to it, you would be devastated and lose all of your belongings, which can be almost impossible to replace, not to mention the emotional stress that you would go through if anything happened.

At Longevity Brokers, we are proud to offer quality and affordable homeowner’s insurance to the Denver, CO. area. It’s our mission to protect every are of your life. Everything from your home to your car. It’s important that you have the insurance that you need to give you and your family the protection that they need.

If you have any questions about earthquake coverage or any of our insurance products, please contact one of our agents today. We would be happy to answer any questions that you have and ensure that you’re getting the best policy to fit your needs.

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