Earthquake Insurance
Homeowners policies don't cover earthquakes in any way — a stand-alone earthquake policy closes that catastrophic exclusion.
What Is Earthquake Insurance?
While earthquakes don't strike on a schedule, it only takes one tremor to cause significant damage to your home's foundation — tens of thousands of dollars, if not more. Earthquake insurance is sold as a stand-alone policy; it does not come as part of your homeowners coverage, and homeowners policies don't cover earthquakes in any way. The most important limit on the policy is Dwelling Coverage for the main structure, with personal property coverage available as well. Deductibles typically range from $1,000 up to $10,000 or more — the higher the deductible, the lower your premium.
Why Earthquake Insurance Matters
The entire purpose of insurance is to transfer risk so your assets are protected should the worst happen. Since your home is most likely your most valuable asset, leaving a known catastrophic exclusion open doesn't make sense — especially in a state where the ground has a track record. Foundation and masonry damage is exactly the kind of loss that's expensive to repair and impossible to claim on a standard 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
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.