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The Basics
Earthquake and volcanic eruption damage is not covered by your homeowners policy. However, earthquake insurance may be recommended or even required by law, based on where you live.
Dwelling
After an earthquake or volcano, your policy will pay to repair or rebuild your home.
Other structures
In addition to your home, protection is provided for your garage, fence and other structures that live on your property.
Personal property
Belongings, like furniture or clothes, can be replaced if destroyed during a seismic event.
Displacement
The temporary living costs, like food and hotels, are covered while your home is being rebuilt.
Optional coverages
Discover additional coverage options to ensure that all of your individual insurance requirements are covered.
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Breakables
Breakables policy can provide you additional coverage for glassware, china and pottery.
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Exterior masonry veneer
Coverage for decorative elements on exterior walls is also available.
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Building code upgrades
Older homes may need to be rebuilt to code. The additional cost of these upgrades may be covered.
You could save up to 20% on your insurance by bundling
Save with a multi-policy discount when combining auto, home, renters and condo insurance.