Earthquake Insurance
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GEICO Earthquake Insurance

Or call (800) 841-3005 for your free rate quote.

Need an earthquake insurance quote?
Existing policyholder? Access your policy

What is earthquake insurance?

A standard homeowners insurance policy excludes coverage from earthquakes, which leaves a gap in homeowners insurance coverage. Earthquake insurance provides coverage for some of the losses and damage that earthquakes can cause to your home and belongings. GEICO Insurance Agency offers earthquake insurance in California, Oregon and Washington through our insurance partner, Arrowhead. Get your free earthquake insurance quote today. For all other states, please contact us to discuss your options.

Is earthquake insurance worth it?

Earthquakes can occur at any time and may cause a great deal of damage to your home. If your homeowners insurance doesn't cover earthquake damages, then you will have to pay the repair costs as well as the cost of living elsewhere while rebuilding your home. These costs can be significant and a financial burden to your family. Don't wait until after an earthquake to buy insurance - get a quote for earthquake insurance now!

How much does earthquake insurance cost?

The cost of the policy depends on many factors such as the location of your home, the cost to rebuild, type of construction, the coverage selected, and the deductible.

What does earthquake insurance cover?

Earthquake insurance can be tailored and purchased to meet your specified needs! The common coverages available include:
  • Dwelling and other structures (driveways, walkways, retaining walls, swimming pools, etc.)
  • Personal property
  • Loss of use (which are additional living expenses if you must live elsewhere while your home is being repaired/rebuilt)
  • Loss assessment from a community association.

Why do I need earthquake insurance if I don't live near a fault line?

Earthquakes can have an impact far beyond major fault lines. According to the Insurance Information Institute, there are 42 states considered at-risk for earthquakes. While it is uncertain if or when an earthquake will occur, consider your financial ability to pay for the cost of rebuilding your home and replacing your belongings without insurance. Is the risk worth the investment you have made in your home and personal belongings?

Have more questions?

  • How does earthquake insurance work?
    Earthquake insurance typically insures "pure loss." This means that the value of items lost will be assessed and reimbursed for that specific amount, rather than a set value of reimbursement for all earthquake events.
  • Where can I learn more about earthquake insurance?
    to learn more about insurance deductibles, discounts, and retrofitting. FEMA also has for earthquake insurance with information about financial preparation.
  • How much coverage do I need?
    This is an individual choice based on your risk tolerance, budget, and other considerations. Coverages can be tailored and purchased to meet your specific needs. At a minimum, you should consider coverage to rebuild your home/dwelling structure at full replacement/rebuilding cost. This amount will vary by location, building features, and materials of your home. Typically, earthquake coverage should match the dwelling limit in your homeowners/fire insurance policy or be higher to account for any increases in building costs after a catastrophic earthquake event.
  • Should I get earthquake insurance if I am renting?
    Earthquakes and other kinds of damage related to "earth movement" are generally not covered by a regular renters insurance policy. Earthquake insurance for renters is a safe way to protect your belongings and cover the cost of living elsewhere if your rental is damaged and needs repairs after an earthquake.

Need to speak to a representative?

You can reach the sales team at (800) 841-3005.

  • Sales
  • Mon – Fri
    7:00 AM – 11:00 PM (ET)
  • Sat – Sun
    8:00 AM – 10:30 PM (ET)
When you click on the "Get a quote online" or "Get a earthquake insurance quote" link you will be taken to a site owned by Arrowhead General Insurance Agency, not GEICO. GEICO has no control over the privacy practices of the company mentioned above and assumes no responsibilities in connection with your use of their website. Any information that you provide directly to them is subject to the privacy policy posted on their website.

Earthquake coverages are written through non-affiliated insurance companies and are secured through the GEICO Insurance Agency, LLC.