Your homeowners insurance typically protects your dwelling and other structures and contents from damages due to fire, smoke, lightning, hail, theft and several other exposures. Earthquake damage, however, is typically excluded from home policies.
Damage from an earthquake refers to physical loss to your dwelling, personal belongings and other structures—a garage, for example—that occur from any type of earth movement including tremors, shaking and ground displacement. To obtain earthquake-specific protection you must either purchase a separate earthquake policy or ask your agent if a special earthquake coverage endorsement for your current homeowners insurance is available.
Similarly, if an earthquake sets off an explosion—typically from broken gas lines, glass breakage—or results in a theft, those losses are typically covered because these perils are specifically included in your Allstate homeowners policy when they are the direct result of an earthquake.
For expert advice about how homeowners policy can protect you and your finances in an earthquakes, talk to an Allstate agent.
Allstate homeowners insurance helps protect your property and belongings. Get an easy no-obligation homeowners insurance quote, find an agent near you, or call us at 1-866-621-6900 to learn how Allstate can design a policy to protect your family, your property—and even your savings.
If you're already an Allstate customer, don't forget that you can save up to 10% just by insuring multiple policies with us.
Published: June 2011