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Earthquake insurance protects homes in seismic zones where standard homeowner insurance excludes earthquake damage. California earthquake insurance costs $200-$600 annually for $200,000 coverage; Pacific Northwest costs $150-$400. Deductibles typically 15-20% of coverage amount; $200,000 coverage has $30,000-$40,000 deductible. Essential for seismic-zone homeowners.
$200,000 coverage California: $200-$600 annually with $30,000-$40,000 deductible. Pacific Northwest similar zone: $150-$400 annually. Deductible selection affects premium.
Geographic location (seismic risk) dramatically affects cost. Building construction (unreinforced masonry costs more) affects rate. Home age affects cost. Deductible selection affects premium.
Homeowners in earthquake zones use this calculator evaluating protection.
Higher deductibles reduce premiums 20-30%; acceptable for those with emergency reserves. Retrofitting unreinforced homes reduces premiums 5-10%. Bundling with homeowner insurance provides discounts.
This calculator provides typical estimates based on market data and regional variations.