Is Earthquake Damage Covered by Your Homeowners Insurance?

Published: March 2015

Your homeowners insurance typically protects your dwelling and other structures and contents from damages due to fire, smoke, lightning, hail, theft and other exposures as described in your policy. Earthquake damage, however, is typically excluded from homeowners insurance policies.

In most homeowners policies, earth movement is an excluded type of loss for both dwelling/structures and personal property. To obtain earthquake-specific protection for your property and belongings, you will likely need to purchase a separate earthquake insurance policy. Your agent can tell you whether such a policy is available in your region.

Call your agent for help determining what your policy covers or to discuss your insurance needs.


Coverage subject to terms, conditions, and availability. Policy issuance is subject to qualifications. Allstate Insurance Company, Allstate Indemnity Company, Allstate Fire and Casualty Insurance Company, Allstate Property and Casualty Insurance Company, Northbrook, IL. © 2015 Allstate Insurance Company, Northbrook, IL.

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