Washington Earthquake Insurance FAQs

Thank you for visiting QuakeQuotes.com, Washington earthquake insurance specialists since 1977. Our team is comprised of professional insurance agents licensed to write earthquake insurance in Washington and Oregon. If you don’t see your question answered below, please don’t hesitate to contact us. We look forward to assisting you with your earthquake insurance needs!

How much does earthquake insurance cost in Seattle? 

Although The Seattle Times reports earthquake insurance prices in Washington have soared in recent years, there are affordable earthquake insurance options for most Seattle residents. The exact cost of earthquake insurance in Seattle varies based on a number of factors, including the following:

  • Location of your home, including proximity to a fault line
  • Construction characteristics of your home. This includes the material your home is built out of (such as wood or brick), foundation type, and age of your home
  • The replacement cost of your home. The more expensive your home costs to rebuild, the more expensive it will be to insure
  • The deductible you choose. Our companies offer deductibles ranging from 2.5% to 25%. The higher the deductible, the lower the premium

Although our earthquake insurance companies do not require homes in Washington be retrofitted, some retrofitted homes may qualify for a premium discount.

Want to know how much your Seattle earthquake insurance costs? Fill out our online quote
form here, and a licensed QuakeQuotes.com insurance agent will be in touch with you within one business hour. Premiums start at under $10/month!

What would happen if an earthquake hit Seattle?

This simulation from Washington State Department of Transportation demonstrates how disastrous a strong earthquake could be: 

Does my homeowners policy cover earthquake insurance?

Most Washington and Oregon homeowners insurance policies exclude coverage for earthquake damage. Your home may be your largest asset. Can you afford to rely on FEMA to bail you out if a large earthquake hits our region? 

On the rare occasion your homeowners insurance policy does cover earthquake damage, it’s still worth considering a separate earthquake insurance policy. Standalone earthquake insurance policies in Washington and Oregon is usually more cost-effective and provides better protection than coverage that is endorsed, or added on, to a homeowners insurance policy. 

Do I need earthquake insurance?

Yes! Washington has the second-highest seismic risk of any state in the country, after California. We recommend earthquake insurance to all Pacific Northwest residents. Our team has seen firsthand the emotional and financial losses earthquakes cause. After the “big one” hits, reimbursement from an earthquake insurance policy can mean the difference between despair and hope for many families. For many of us, our homes are our largest financial asset. This is why purchasing earthquake insurance is so critical.

What does an earthquake policy cover?

Our Pacific Northwest earthquake insurance policies are customizable to your needs. Unless waived, they automatically include coverage for:

  • the structure of your home
  • it’s contents
  • any detached structures on your property, such as a detached garage 
  • additional living expenses if your home is not habitable due to earthquake damage

If you live in a condo, your earthquake insurance policy can also provide coverage for loss assessment.

Is earthquake insurance expensive?

In many areas of Washington and Oregon, earthquake insurance is not expensive. Earthquake insurance can be more expensive in Seattle, where homes are older and in close proximity to fault lines.

What happens if I don’t buy earthquake insurance?

Affected homeowners may qualify for a loan through the Federal Emergency Management Agency. After watching news reports on Hurricane Katrina and other natural disasters, we cannot recommend clients rely on FEMA to help rebuild their homes and their lives.

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