Earthquake Insurance: What You Should Know

Two Key Facts to Start With:

1. Most homeowners insurance policies do not cover earthquake damage.
2. Even if you don’t live in an earthquake-prone area, coverage may still be a smart investment.

Since 1900, earthquakes have been recorded in 39 states—and nearly 90% of Americans live in areas considered seismically active. For many Montana homeowners, earthquake insurance is not only wise—it can also be quite affordable. Talk to Summit Insurance to see what protection would cost for your home.

Coverage Options for Earthquake Insurance

Standard homeowners, renters, and condo policies generally exclude earthquake damage. However, coverage can be added in one of two ways:

• As an endorsement to your current policy
• As a stand-alone earthquake policy from a specialized provider

Depending on your location and insurer, you may also have access to coverage through independent entities like the California Earthquake Authority (CEA) or other specialty markets. 

Should You Consider Earthquake Insurance in Montana?

Yes—and here’s why. Earthquake risks extend far beyond the West Coast. Consider these stats:

• Western U.S.: A 70% chance of a major quake (6.7+ magnitude) in the San Francisco Bay Area over the next 30 years, according to the USGS.
• Eastern U.S.: A 40–60% chance of a significant earthquake in the next 20 years, per Charleston Southern University’s Earthquake Education Center.
• Midwestern U.S.: The New Madrid Fault Zone, spanning several central states, has a 40–63% chance of producing a 6.0 magnitude quake in the next 15 years.

What Does Earthquake Insurance Cover?

Earthquake insurance kicks in when your home suffers damage from seismic activity. Here’s what it may include:

• Structural coverage for your home (and sometimes attached structures like garages or sheds)
• Contents coverage for personal belongings
• Loss of use benefits for temporary living expenses if your home becomes uninhabitable
• Optional coverage for exterior features and personal property inside

Keep in mind:

• Earthquake policies typically do not cover flood or tidal wave damage, even if caused by a quake.
• Mudslides, land settlement, or ground movement may be covered if directly triggered by an earthquake.
• Deductibles can range from 10% to 20% of the policy limit, so choose wisely based on your risk tolerance. 

Preparing for the Unexpected in Missoula (and Beyond)

Even if you’re not in a high-risk zone, preparation can reduce your risk and damage. Here are a few steps to take:

• Anchor heavy items like water heaters and bookshelves securely.
• Store emergency supplies: flashlights, radio, water, non-perishable food.
• Create a family communication and evacuation plan.
• Learn how to shut off utilities in your home.
• Secure fragile or valuable items.

During an Earthquake:

• Indoors? Drop, cover, and hold on. Stay clear of windows.
• Outside? Move away from buildings and power lines.
• Driving? Pull over safely and remain in the car until shaking stops.

After the shaking stops, stay alert for aftershocks, avoid using gas or electricity until inspected, and keep emergency lines open for real emergencies only.

Find the Right Earthquake Insurance for You

Every home, location, and risk profile is different. At Summit Insurance, we help you find the right coverage at the right price—so you can focus on what matters most.

Let’s talk today about protecting your home and future with earthquake insurance tailored to your needs.

Get a Free Earthquake Insurance Quote