Personal Insurance
Earthquake Insurance
Provides coverage for your home and personal property that is damaged or destroyed in an earthquake.
Get a Quote*General coverage descriptions listed below are intended as educational overviews and may not reflect the specific terms of any policy placed by Rampart Risk Advisors LLC. Coverages often vary by carrier and the risk profile of each individual business. Always refer to your policy to determine what exposures, perils, or claims are covered.
What’s Generally* Covered
- Structural damage to your home caused by earthquake shaking, including foundation movement and collapse
- Damage to attached structures such as garages and porches
- Personal property losses resulting from an earthquake event
- Additional living expenses if your home is uninhabitable following a covered earthquake
- Coverage for aftershock damage that occurs within a specified period after the main event
- Loss assessment coverage for condominium owners whose HOA incurs earthquake-related expenses
Who It's For
- Homeowners in seismically active regions, including California, the Pacific Northwest, and the New Madrid Seismic Zone
- Anyone whose standard homeowners policy excludes earthquake damage, which is virtually universal
- Homeowners with older construction, unreinforced masonry, or soft-story buildings with greater vulnerability
- Mortgage holders whose lenders require earthquake coverage in high-risk zones