2026 Seismic Coverage
Earthquake Insurance Calculator
Calculate earthquake insurance costs. Coverage for seismic damage with high deductibles, building replacement, and personal property. Based on 2026 insurance data.
Calculate Your Premium$800-$5,000
Avg Annual Premium
10-25%
Typical Deductible
~13%
CA Homes w/ Coverage
What is Earthquake Insurance?
Earthquake insurance covers seismic damage NOT covered by standard homeowners policies. High deductibles (10-25%) are typical. Only ~13% of California homeowners carry earthquake coverage despite living in high-risk areas.