Earthquake Insurance

What is Earthquake Insurance?

Earthquake insurance is coverage that helps policyholders repair residential and commercial real estate following an earthquake. It is highly recommended for people who live in earthquake zones. A policyholder can file a claim after an earthquake is confirmed and causes damage in the area.

Earthquakes can cause major damage. Smaller earthquakes might not do a lot of harm, but a major earthquake can lead to devastation. This coverage can help repair damaged buildings and replace damaged belongings. If the property is a total loss, then insurance will help with new housing.

How it Works

An insurance company has to assess the risk level. A company might consult scientists, geologists and other experts in seismology to determine the risk level of an area. Policyholders can file a claim after the Richter Scale is used to evaluate and confirm the magnitude of the earthquake. This is because some insurance companies only cover earthquakes that are a specific magnitude.

The damage must be a direct result of the earthquake. If it’s determined the damage existed prior to the earthquake, then the insurance will not cover it.


The financial support provided by earthquake insurance is very helpful. If a policyholder’s property is destroyed, they can even get help with temporary living accommodations.

Contact JmJ Insurance today we have great rates and we have great Earthquake Insurance policies with offices in Suwanee, GA.