Earthquake Insurance in Bellingham, WA
Standard homeowners and business policies typically exclude earthquake damage, and northwest Washington sits in an active seismic region. Earthquake coverage is usually a separate policy or an add-on, and we can walk you through the options.
What earthquake coverage typically includes
Options vary by carrier, but most earthquake policies are built around these coverages.
Dwelling
Helps pay to repair or rebuild your home’s structure after an earthquake.
Personal property
Helps replace belongings damaged in the quake.
Loss of use
Helps with temporary housing and extra living costs if your home is unlivable after a covered earthquake.
Business property
Earthquake coverage is also available for many commercial buildings and their contents.
How earthquake coverage works
A few things work differently from a regular home policy, and they are worth understanding before you buy.
- Percentage deductibles. Earthquake deductibles are typically a percentage of your coverage limit, not a flat dollar amount. For example, a 10% deductible on a $400,000 dwelling limit means the first $40,000 of damage is yours.
- Fire after an earthquake. Fire that follows a quake is often covered by your regular home policy. It is worth confirming on yours.
- Timing. Many carriers pause new earthquake policies for a period after a significant quake, so it is best to decide before you need it.
- Older homes. Masonry chimneys, unbolted foundations and older construction can affect eligibility and price.
- Condos. The association’s master policy and your own unit policy may treat earthquake damage differently. Ask about loss assessment coverage.
Related reading
Common questions
Does my homeowners policy cover earthquakes?
Is earthquake insurance worth it in Whatcom County?
Can I add earthquake coverage to my current policy?
Find out what an earthquake would cost you
We will walk through your options, deductibles and price in plain English. No pressure, no obligation.
General information only, not a quote, offer or guarantee of coverage. Coverage, availability and price depend on the policy, the carrier and your situation. See all coverage.