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Standard homeowners, renters, and business insurance policies do not cover earthquake damage. Coverage is available either as an endorsement or as a separate policy. Earthquake insurance mitigates damage costs and other liabilities that stem from the shaking and cracking that can destroy buildings and personal possessions. Standard home and business insurance policies provide coverage for other kinds of damage that may result from earthquakes, such as fire and water damage due to burst gas and water pipes. Earthquake coverage is primarily available from private insurance companies. In California, homeowners can also get coverage from the California Earthquake Authority (CEA), a privately funded, publicly managed organization
Twenty-three percent of homeowners who had homeowners insurance responding to the 2020 Triple-I Consumer Poll said they had earthquake insurance, up from 15 percent in 2018. Homeowners in the West were most likely to have earthquake insurance, with 28 percent saying they had the coverage, followed by the South at 25 percent, the Northeast at 21 percent, and the Midwest at 16 percent. See the Poll report for details.
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U.S. Geological Survey (USGS) Significant Earthquakes
Southern California Earthquake Data Center (SCEDC), Recent Earthquakes in California and Nevada