Earthquake Insurance
Earthquake Insurance provides financial protection against damage caused by seismic activity, ground movement, and structural shifting. Most standard property policies do not cover earthquake damage, making this specialized coverage essential for protecting buildings, belongings, and long-term financial stability.
Protection When the Ground Shifts Beneath You
Earthquakes can strike without warning and cause severe structural damage in seconds. Even moderate tremors can result in cracked foundations, collapsed walls, and costly repairs. Earthquake Insurance helps property owners recover faster by covering rebuilding costs, repairs, and certain property losses not included in standard policies. For property owners in seismically active regions or near fault lines, this coverage provides an important layer of financial security and peace of mind.
Dwelling Coverage
Helps pay to repair or rebuild the home or building if damaged by earthquake activity.
Personal Property Coverage
Covers furniture, electronics, and belongings damaged by shaking or structural collapse.
Loss of Use Coverage
Provides funds for temporary living expenses if the property becomes unsafe to occupy.
Commercial Earthquake Coverage
Protects business structures, equipment, and inventory from earthquake related damage.
Insurance Unlimited Benefits
Local Expertise
We understand life in the West and the risks that come with it. From mountain roads to sudden storms, our team knows how to match coverage to the realities of our communities.
Personal Relationships
Insurance is not one size fits all. We take the time to get to know you, your family, or your business so your coverage reflects what matters most.
Trusted Support
When the unexpected happens, you will have a partner who stands with you. Our agents are here to guide you through claims, answer questions, and provide peace of mind every step of the way.
Homeowners
Protects the home’s structure and belongings from costly earthquake damage excluded from standard policies.
Business Owners & Investors
Safeguards commercial buildings, equipment, and rental properties from major financial disruption after a quake.
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Protection That Goes Beyond Geographic Boundaries
Earthquake Insurance is designed for homeowners, landlords, and business owners located in areas with earthquake exposure or near known fault systems. Even regions not commonly associated with earthquakes can experience seismic activity.
Real Stories from
Our Community
We’re proud to protect what matters most to our neighbors. These real stories from real clients reflect the trust, service, and peace of mind that define Insurance Unlimited.
Frequently Asked Questions
Your success is at the heart of everything we do. As trusted insurance agents, we’re here to provide clear answers and expert guidance, helping you navigate challenges, uncover opportunities, and achieve lasting growth.
Is earthquake damage covered under homeowners insurance?
No. Standard homeowners and commercial property policies typically exclude earthquake damage. A separate policy or endorsement is required.
What is typically not covered by earthquake insurance?
Policies may exclude certain exterior structures, landscaping, or pre existing damage. Coverage limits and deductibles vary by policy.
How are deductibles handled with earthquake insurance?
Earthquake policies often have percentage based deductibles calculated from the insured property value, rather than a flat dollar amount.
Ready to Get Started?
Protect your home, your business, and your future. With Insurance Unlimited, you’re covered every step of the way, from plains to peaks.
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