Earthquake Insurance

Stability in Shaky Times

Protecting our neighbors with Earthquake Insurance in California, Oregon, Washington and a few other areas of seismic activity.  

Now that we’ve determined that the risk of earthquake damage exists, is it the right time for you to consider protecting your most valued asset from a possible total catastrophe.  The higher your equity position, the greater your risk!  

Get a FREE Earthquake Insurance Quote Now!

We do the work for you. In a few steps, you’ll have the best rate and will be able to get immediate coverage.

"After reading a little about EQ insurance, I was concerned. A quick online quote but I really did have some questions and needed to talk to someone. I spoke with Linda at HDA who answered a few questions and I bought the policy within a few minutes! I now understand the coverage and how the % based deductible applies."

Chris Stephenson


Earthquake Insurance

Depending on where you live, Earthquake Insurance may be the most important form of coverage for your home. Most Homeowners Insurance policies don’t cover damage caused by earthquakes; it is important to get a quote and assess your risk. 

Earthquake Insurance is generally written as a separate policy; HDA Insurance can help you select your coverage based on your personal appetite for risk.  As a general rule, the lower the premium, the less likely to suffer a seismic event.  

When insuring your home, remember you are insuring the reconstruction cost of the dwelling, not the sales value of the land.

Coverage Details

The most important thing before buying earthquake insurance is understanding the coverage, the deductible and making sure that the policy limit will be sufficient to reconstruct the home in the event of a total loss. 

Our online apps are great but if earthquake insurance isn’t your expertise, it may be worth asking one of our licensed staff to help you.  There’s no premium charge or fee to ask for our help and get your questions answered. 

earthquake insurance quotes

Types of Hazard Insurance

  • Earthquake Insurance – Coverage for damage caused by seismic activity. 
  • 42 U.S. states are currently at risk for a potentially damaging earthquake. 
  • Determining if you need earthquake insurance is more important than ever even if you don’t live near a fault line. 
  • When buying a house, it is advisable to get an earthquake insurance quote even if you’re not likely to pursue it. The premium may indicate the level of risk in the immediate area. 

To better help you discuss the risks as they pertain to your specific situation, it is best to contact a licensed insurance professional or your state insurance department. 


Policy Service

Customer Service is available via direct insurance company portals and tele-servicing centers for our clients and their mortgage companies. Claims Reporting Service is available 24/7 directly online, via mobile apps and personalized telephone service. More details available on our Policy Service tab.


Results You Can Trust

HDA Insurance Brokerage is a certified and licensed National provider of home insurance and other insurance products online direct to the consumer public and via our institutional arrangement with mortgage providers. Since 1986, this Personal & Commercial Lines agency evolved into a national property insurance provider with a focused expertise in Homeowners Insurance, Landlord Insurance, Renters Insurance, Earthquake Insurance & Commercial Lessor’s Risk Insurance.

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Have any questions?

Check our FAQ


Here are the most common questions

Chances are, you'll find the answer in our FAQs. We have listed some of the more common questions asked by Earthquake Insurance clients.

We’re here to answer any and all your questions.  For more specific questions, you may complete our Contact Us form and one of our representatives will be happy to personally research the topic and respond at your convenience.

Earthquake insurance covers damage to your home, personal belongings and additional living expenses if you need to temporarily live somewhere else after an earthquake up to the policy limits.

Three main components exist in all earthquake policies; Dwelling (house), Personal Property & Additional Living Expenses. Coverage will be subject to the limits of each purchased on the policy. 

The cost of earthquake insurance varies with each home and policyholder’s coverage selection. A home is typically covered up to the same Dwelling limit covered by the Fire Insurance policy; however, Earthquake Insurance has a very different deductible structure. The deductible is percentage based, the percentage of the coverage (not a percentage of the damage). 

If a homeowner is going to continually lose sleep over thinking about an earthquake, he/she should buy Earthquake Insurance.   There is a risk of earthquake damage in 42 of 50 states today; however, the greatest risk exists along the Pacific Coast (CA, OR & WA)  plus Hawaii & Alaska are also areas of higher risk.