Earthquake Insurance
Your homeowners policy doesn't cover earthquake damage at all. A separate earthquake policy fills that gap.
- 24+ carriers
- Norman, OK
- No obligation
What Is Earthquake Insurance?
Oklahoma's ground moves more than most people expect, and one strong quake can crack a foundation and do tens of thousands of dollars in damage. Earthquake coverage is its own policy, separate from your homeowners. The limit that matters most is dwelling coverage on the house itself, and you can add coverage for your belongings. Deductibles commonly run from $1,000 to $10,000 or more, and a higher deductible lowers the premium.
Why Earthquake Insurance Matters
Insurance exists to take the big losses off your shoulders. If the house is the largest thing you own, leaving a known gap open doesn't make sense, especially in a state with a recent earthquake record. Foundation and masonry damage is expensive to fix and isn't covered on a standard homeowners policy.
Who Needs Earthquake Insurance?
Oklahoma homeowners — particularly owners of brick and masonry homes, older homes, and anyone who watched their walls crack during the busy years and wondered who would pay for it. It's an inexpensive conversation to have, and we'll quote it alongside your homeowners policy.
Coverage Highlights
- Dwelling coverage for the main structure and foundation
- Personal property coverage options
- Deductible choices from $1,000 to $10,000+
- Stand-alone policy — fills the homeowners exclusion
- Coverage for masonry and brick veneer damage
- Quoted side-by-side with your homeowners policy
Here in Oklahoma
Local Considerations
Oklahoma's earthquake history is real and recent: the state's own tracking at earthquakes.ok.gov recorded 903 magnitude 3.0+ earthquakes in 2015, 623 in 2016, 579 in 2014, and 304 in 2017. Activity has eased since those peak years, but the exposure hasn't disappeared — and neither has the exclusion in your homeowners policy. We'll show you what a stand-alone policy costs at a couple of deductible levels so you can make the call with actual numbers.
How Our Quote Process Works
We Start with a Conversation
We take time to understand what you're trying to protect and what matters most to you.
We Shop Multiple Carriers
We compare options across 24+ insurance companies to find coverage that actually fits — not just the cheapest number on paper.
We Review for Gaps
We check for coverage gaps, exclusions, and structure — not just price — so you're not surprised later.
We Walk You Through It
We explain your options in plain English, answer questions, and help you make a confident decision.
Get a Earthquake Insurance Quote
We'll shop multiple carriers and walk you through your options — no obligation, no runaround.
Request a QuoteOther Coverage Options
Information is general in nature and may not reflect your specific situation. Contact us for personalized guidance.
Let's Talk About Your Earthquake Insurance
No sales pitch — just a conversation about what you need and what your options look like. We'll take it from there.