2026 Calculator
Earthquake Insurance Calculator
Estimate your seismic coverage costs
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This estimate is based on projected 2026 data and industry averages. Actual premiums vary by insurer, location, and individual factors. Consult a licensed insurance agent for accurate quotes.
*Based on estimated 2026 projections. Data may not reflect real-time legislative changes.
FAQ
How much does earthquake insurance cost in 2026?
Earthquake insurance costs $800-$5,000+ per year depending on location, home value, and construction type. California homeowners pay the highest rates due to fault line proximity. Deductibles are typically 10-25% of coverage limits.
Why are earthquake insurance deductibles so high?
Earthquake deductibles of 10-25% are common because earthquakes can cause catastrophic, widespread damage. On a $300,000 home, a 15% deductible means you pay the first $45,000. This keeps premiums affordable while covering major losses.
Does homeowners insurance cover earthquakes?
No. Standard homeowners policies exclude earthquake damage. You need a separate earthquake policy or endorsement. In California, the CEA (California Earthquake Authority) is a major provider with regulated rates.