Earthquake Insurance Calculator
Estimate earthquake insurance premium based on home value, construction type, soil conditions, and seismic zone.
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Earthquake insurance is separate from homeowner's insurance and typically has high deductibles (10-25% of coverage). In high-risk zones like California, premiums can cost $3-6 per $1,000 of coverage. Wood-frame homes perform better in earthquakes than masonry, which is reflected in lower premiums.