Affordable Earthquake Insurance Quotes | Orbit Insurance Services

Protecting your property

What coverages can I get for Earthquake Insurance?

Earthquake insurance fills a critical gap in standard home policies by protecting your property's physical structure, foundation, and your personal belongings against seismic events.

Structural Damage Coverage

Protects against damage to the building's physical structure, including floors, load-bearing walls, and the roof, caused directly by earthquake tremors.

Foundation Coverage

Covers damage to the building's foundation caused by ground shaking, helping to repair severe cracks and address structural stability issues.

Contents Coverage

Protects personal belongings inside the building, such as furniture, electronics, and appliances, from damage or destruction caused by the earthquake.

Loss of Use Coverage

Reimburses you for temporary living expenses (like hotel bills) or lost rental income if your property is severely damaged and unlivable during repairs.

Building Code Upgrade

Pays extra expenses required to bring your property up to current, stricter building codes during the rebuilding process after earthquake damage.

Garage & Detached Structures

Provides specific protection against damage to garages, sheds, retaining walls, and other detached structures caused by seismic activity.

Why Orbit

Why Orbit is the best choice for Earthquake Insurance?

Competitive Rates

We navigate multiple insurance providers to find the most affordable premiums, ensuring you don't overpay for your seismic protection.

Industry Expertise

Our agents understand fault lines, seismic zones, and retrofitting discounts, allowing them to structure a policy that truly matches your risk.

Flexible Deductibles

Earthquake policies work differently than standard property insurance. We help you choose percentage-based deductibles that fit your financial strategy.

Online, Phone, or In-Person

Set up your earthquake policy efficiently — request quotes online, discuss details over the phone, or sit down with an expert locally.

Talk to an earthquake coverage expert today

An Orbit agent is ready to help you safeguard your home and assets against unpredictable seismic events. Get the peace of mind you deserve.

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The basics

What is Earthquake Insurance?

Earthquake insurance provides financial protection for your home, possessions, and additional living expenses in case of a seismic event. Standard homeowners, renters, and commercial property policies explicitly exclude damages resulting from earth movement, making a separate earthquake policy (or an endorsement) the only way to safeguard your equity against this specific peril.

It helps cover the cost of severe structural damage to your house's foundation and walls, as well as repair and replacement costs for personal belongings lost or damaged in the disaster. Rather than relying on federal disaster loans—which must be paid back with interest—earthquake insurance ensures property owners are not left to bear the massive financial burden of reconstruction alone.

Factors That Impact Your Rates

Proximity to Fault Lines: Homes located closer to active seismic zones naturally carry higher risk and premiums.
Age & Construction: Older homes, especially unreinforced masonry or those built before modern seismic codes, cost more to insure than newer, wood-frame homes.
Seismic Retrofitting: Securing your home to its foundation or installing automatic gas shut-off valves can significantly lower your rates.
Deductible Amount: Earthquake deductibles are usually a percentage of the dwelling limit (e.g., 10% to 20%), greatly affecting the upfront premium cost.

Good to know

Frequently asked questions & Requirements

Unlike auto insurance, earthquake insurance is generally not required by law. However, if you live in high-risk seismic zones (like parts of California or the Pacific Northwest), some mortgage lenders may mandate it to protect their financial interest in the property. Even if not required, it is highly recommended for homeowners near fault lines.

The cost is highly dependent on your location and the construction of your home. On average, adding an earthquake endorsement can cost between $500 and $800 per year in moderate zones, but can be significantly higher in areas like California. Wood-frame homes are generally cheaper to insure than brick or masonry buildings because they flex better during a quake.

Earthquake insurance premiums are usually not tax-deductible for a primary personal residence. However, if you utilize the property for commercial activities or as a rental business (Landlord Insurance), the cost can typically be classified as a deductible operating expense. Speak with a tax professional to verify your situation.

Yes! You can lower your premiums by retrofitting your home (bolting the house to its foundation, bracing water heaters, installing automatic gas shut-off valves), choosing a higher deductible, bundling with your auto or home policy, or living in a newly constructed home built to modern seismic codes.

To generate an accurate quote, we need:

Property Details: Address, square footage, year built, and estimated rebuild value.
Construction Info: Exterior materials (wood, brick, masonry), foundation type (slab, raised, basement), and number of stories.
Retrofitting Status: Documentation of any seismic retrofitting or safety upgrades.
Coverage Needs: Desired deductible percentage and coverage limits for the dwelling and contents.

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