Seattle Earthquake Insurance Richter ScaleSeattle Earthquake Insurance

Protect your investment.  Most ordinary Seattle homeowners’ insurance policies do not cover earthquake damage.

Submit an online earthquake quote in minutes.


Insurance Coverage Options

You have many options when buying earthquake insurance for your home, such as deductibles, dwelling protection, and personal property protection.  There are three main components to homeowner’s earthquake coverage. 

  • A deductible is the amount that you pay out of pocket on a covered loss before insurance begins to pay.  Earthquake insurance is a type of catastrophe insurance. Deductibles for earthquake are higher than regular homeowner’s insurance and typically range from 10% to 20% of the insured value of your home.
  • Structure protection protects your dwelling as well as other structures such as garages, car ports, and storage sheds. 
  • Personal property protection insures your personal belongings such as clothing, furniture, and electronics. 

Impacts on Earthquake Insurance Premiums in Seattle


There are many factors that determine earthquake insurance coverage in Seattle, however these items may have a significant impact on what you pay.

  • Proximity to a fault line - New technology has allowed Geologists and Earthquake Insurance underwriters to become much more accurate in determining a dwelling's proximity to a known fault line.  Similar houses that are only a mile or two apart may have significantly different premiums depending on the distance to a fault line.  Clik here for the most recent Seattle Earthquake Maps from the US Geological Survey.
  • Age of Home - Recent building code changes make newer homes much more likely to survive an earthquake.
  • Slope - If your home is on a steep slope an earthquake is more likely to sustain signficant damage.

Coverage Limits

It is important to periodically review your limits with your agent. As life changes so do your insurance needs. For example, if you recently expanded or remodeled your home, you may want to increase your dwelling coverage to be fully protected in the event of an earthquake.