The 5 Best Earthquake Insurance Companies of 2020

Protect yourself and your home

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Our Top Picks

Earthquakes are a scary reality of living in some high-risk parts of the country, and they can cause a huge amount of damage to your home—including expensive foundation issues. Basic homeowners policies don’t generally cover the consequences of earthquake activity, but earthquake insurance can be purchased to fill this gap. To help you protect yourself, we rounded up the best earthquake insurance options. Here are our top picks.

Best Overall: Allstate

Allstate

 Allstate

Allstate is a home and auto insurer that provides additional earthquake coverage on its homeowners policies. The carrier has a superior rating from credit agency AM Best and, though not Better Business Bureau (BBB) accredited, Allstate has a stellar rating with them, as well.

As with most insurance carriers, there isn’t much information on Allstate’s website regarding premiums, deductibles, and coverage limits. However, Allstate does offer an online quote tool that lets users build a single homeowners policy with added earthquake coverage; customers can also bundle multiple policies to get the best deal possible. The website also features a user-friendly agent finder in case you’d rather talk with someone in your area. 

In terms of discounts, customers can expect a multi-policy discount of up to roughly 25% when bundling home and auto insurance and a responsible payment discount based on good payment history. Allstate also offers customers a welcome and loyalty discount up to around 10% of their homeowners premium, a home buyer discount for newly constructed homes, and about a 5% discount for setting up automatic payments. 

Why it's a fit for Treehugger: Allstate is our overall top pick because of its highly-rated coverage options and extensive discounts, especially for customers with multiple policies. 

Best Claims Management: Farmers Insurance

Farmers Insurance

 Farmers Insurance

Farmers Insurance issues home, auto, and life insurance in all 50 states, and offers earthquake coverage for both homeowners and renters. In California, customers can purchase a Farmers insurance policy through the California Earthquake Authority (CEA)—also on our list. Farmers boasts high ratings, as well as extremely robust tools for filing a claim. 

If you already have a homeowners policy with Farmers, contact your agent to add an endorsement for earthquake coverage. Not only does Farmers make it easy to add earthquake coverage to your policy, the carrier provides a number of discounts for multiple policies, new homes, green certifications, and delivers consistent, on-time payment. That said, policy information is not available online, so you’ll have to take advantage of the Farmers online quoting tool.

What really stands out about Farmers is its dedication to customer support and claims management, which begins with easy online and mobile claims reporting. Finally, the Mobile Claims Center buses dispatch in the wake of natural disasters and other major catastrophes to help local residents file claims and to offer additional support. 

Why it's a fit for Treehugger: Farmers Insurance stands out for a number of reasons but is our top pick for claims management because of its Mobile Claims Center buses.

Best Customer Support: Amica Mutual Insurance

Amica Mutual Insurance

 Amica Mutual Insurance

Amica policy options include (but are not limited to) auto, home, condo, and renters coverage in every state except Alaska and Hawaii. As a member of the CEA, it provides earthquake coverage as part of an endorsement on its homeowners policies. With top AM Best and BBB ratings, Amica also provides prospective and current policyholders with first-class customer service.

As part of its standard homeowners policies, Amica offers coverage for dwellings, other structures, and personal property—as well as loss of use and personal liability coverage. Most importantly, though, a homeowners policy can be extended to cover earthquake-related damage by adding catastrophic insurance. Although Amica does not provide details about available coverage limits and deductibles on its website, there is an online quote tool for building a policy.

Finally, Amica is well-known for its high-quality customer service. Customers can contact the carrier via phone, email, and in-person, as well as make payments and report and track claims through the user dashboard. There’s also a live chat function that provides assistance with some questions, but we found this to be most helpful for current customers. 

Why it's a fit for Treehugger: Amica is among our top picks for earthquake insurance because of its highly-rated customer service options.

Best Policy Transparency: GeoVera Insurance Company

GeoVera Insurance Company

 GeoVera Insurance Company

GeoVera offers earthquake insurance with property and liability coverage in California, Oregon, and Washington. The company has stellar ratings from AM Best and the BB and is a reliable carrier with geographic availability that's focused on high-risk areas. In addition, GeoVera is also the most transparent option on our list and offers a ton of helpful online resources to guide you through your earthquake insurance needs. 

GeoVera Insurance provides a single limit for all of your areas of coverage—rather than having individual limits for your dwelling, other structures, personal property, and loss of use. You can also choose from the carrier’s standard or comprehensive coverage. Depending on which you choose, you'll have a deductible between roughly 10% and 25% of the coverage limit, though 10% deductibles are not available in all coverage areas. Talk to an agent to determine which option best fits your needs.

In spite of GeoVera’s high rating and BBB accreditation, customer reviews on the BBB website suggest that the carrier’s response to claims may be slow. However, the provider’s customer support team boasts availability via phone, email, and—for current policyholders—the myGeoSource user dashboard. 

Why it's a fit for Treehugger: We love GeoVera because it offers transparent policy information that's easy to understand right on its website.

Best for California: California Earthquake Authority

California Earthquake Authority

 California Earthquake Authority

Though not an earthquake insurance carrier, California Earthquake Authority—or CEA—connects California residents with a range of high-quality policy options available in the state. In fact, California residents can contact an agent for all of the carriers on our list through the CEA website. CEA also has a free, online premium calculator you can use to get an earthquake insurance premium estimate for properties in California. 

Beyond providing helpful information regarding earthquake insurance policies, the CEA website also contains a ton of helpful resources. Tools include a list of recent earthquake activity, a county-specific earthquake risk evaluation tool, and tips for preparing your house and your family for an earthquake. 

If you live in California and are ready to purchase earthquake insurance, you can’t go wrong with the California Earthquake Authority. Start by getting a free cost estimate on the CEA site, and then search for an insurer on the list of participating insurance companies. You can also contact your current agent to see if it's a CEA-approved insurer.

Why it's a fit for Treehugger: Though not an insurance carrier, CEA is on our list because of its dedication to educating California residents and connecting them with reputable earthquake carriers and policies.

Who Needs Earthquake Insurance?

Earthquake insurance is especially important for residents of high-risk states like California, but it may also be worth it for residents of Washington and Oregon. What’s more, states that aren’t traditionally considered high-risk—like Missouri and Illinois—have also been experiencing more earthquake activity than in the past, likely due to things like wastewater disposal in fracking. Check with your insurance agent to see if earthquake coverage is available or recommended in your area. 

How Is Earthquake Insurance Different From Homeowners Insurance?

Traditional homeowners insurance typically excludes damage caused by earthquakes—also referred to as earth movement. This means you’re likely to encounter a gap in coverage for the types of damage associated with earthquakes, like a cracked foundation. That said, some carriers offer endorsements for supplemental earthquake coverage so contact your current agent to see if that’s an option. 

What Does Earthquake Insurance Cover?

Policies vary, but earthquake insurance generally covers repairs to your house, attached structures, and other outdoor structures as necessitated by earthquake damage. Policies can also cover personal belongings that are damaged as a result of the earthquake and other expenses like hotel bills if your home isn’t livable. Even so, there are certain issues that are not covered by earthquake insurance, like fire damage, flooding, vehicle damage, and damage to masonry.

How We Chose the Best Earthquake Insurance Providers

We reviewed earthquake insurance providers based on available coverage, AM Best and BBB ratings, available discounts, online tools, and (where possible) deductibles and coverage amounts. Policy premiums are not typically disclosed, so we made sure that each top provider offers an online quote tool. And, while states like California are at a higher risk for earthquakes than others, we considered the geographic availability of various carriers because other states are seeing an increase in earthquake activity.

Overall, we chose Allstate as the best choice for Treehugger readers because of the breadth of coverage and discounts. What’s more, the carrier is extremely well-rated and offers current and prospective policyholders a number of tools that make buying insurance—and decoding it—easier.