Earthquake Insurance
If you live in a seismically active area, earthquake insurance can be crucial. Standard homeowners policies don’t cover earthquake damage — leaving you to pay out of pocket. Earthquake insurance covers structure, personal belongings, and additional living expenses if your home becomes uninhabitable.
Earthquakes cause swift, extensive structural damage — foundation cracks, collapsed walls, broken pipes. Policies are specifically tailored to address these issues.
The professionals at Frost Insurance in Hendersonville, Tennessee will outline your protection options.
Earthquake damage is excluded from standard homeowners policies, yet some regions carry real seismic risk. A separate earthquake policy or endorsement helps protect your home and belongings from shaking-related damage.
What Earthquake Coverage Includes
Earthquake coverage generally pays to repair the structure of your home, replace damaged personal property, and cover additional living expenses if you must live elsewhere during repairs.
How the Deductible Works
Earthquake deductibles are usually a percentage of your dwelling coverage rather than a flat dollar amount, so it is important to understand your out-of-pocket share before a loss.
Does homeowners insurance cover earthquake damage?
No. Standard homeowners policies exclude earthquake damage. You need a separate earthquake policy or an endorsement added to your existing policy.
Is your state at risk for earthquakes?
It can be. Earthquake risk is not limited to the West Coast — many areas lie near active seismic zones, including the central United States. Your agent can help you understand the risk where you live.
How does the earthquake deductible work?
Earthquake deductibles are typically calculated as a percentage of your dwelling coverage amount, which can be significant, so it is worth reviewing the figure when you buy a policy.
What does earthquake insurance not cover?
It generally does not cover damage from related flooding or tsunamis, which fall under flood insurance, or pre-existing damage. Review specifics with your agent.
Why buy earthquake insurance through an independent agent?
As an independent agency, Frost Insurance represents many carriers, so we can compare earthquake coverage and pricing for your home and provide personal, local service.
Earthquake Insurance — Coverages Can Include:
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Structural/foundation damage -
Personal belongings -
Additional living expenses -
Foundation & wall repairs -
Broken pipes & systems -
Retrofitting discounts -
Swift recovery support -
Specialized seismic coverage
United States Seismic Risk Map
Contact Frost Insurance in Hendersonville, Tennessee to learn more about earthquake insurance options for your property.