Contact Us
*PRESS 1 TO SPEAK WITH AN AGENT*
We are here and ready to help you.
Feel free to reach out to get a
quote today.
Your Home, Your Peace
Why Choose Our Arizona Earthquake Insurance?
Comprehensive Coverage
From your home’s structure to the items you love inside it, we’ve got you covered with wide-ranging protection that matters.
Affordable Rates
Protect your home without breaking the bank. Our plans offer competitive pricing and real value for every budget.
Easy Claims Process
When you need support, we make it simple. Our streamlined claims process is quick, clear, and here when it counts.
Local Support
We’re based right here in Arizona. Count on our friendly team to walk you through each step—from quote to coverage.
What's Included In Your
Arizona Earthquake Insurance Plan?
Personal Property Protection
Covers everyday items like furniture, electronics, and clothing if they’re damaged or lost due to an earthquake. Rest easy knowing your belongings are backed by solid protection.
Liability Coverage
Protects you financially if someone is injured on your property or if you accidentally damage someone else’s possessions during a covered event. It’s an essential layer of protection.
Additional Living Expenses
If your home becomes uninhabitable after an earthquake, this helps cover hotel stays, meals, and temporary housing costs while you recover.
Deductible Options
Choose a deductible that works for your budget. We offer flexible options so you can prepare with confidence and avoid surprises when it’s time to file a claim.
Theft Coverage
Protects your belongings from theft at home or on the go—so even if disaster strikes, you won’t be left empty-handed.
Natural Disaster Protection
Covers your property from damages caused by fires, storms, or other natural disasters that can follow an earthquake, keeping your peace of mind intact.
FAQs
Got questions about Arizona Earthquake Insurance? We’ve got you covered.
Arizona Earthquake Insurance typically covers repairs to your home’s structure, replacement of personal belongings, temporary living expenses if your home becomes uninhabitable, and damage to other structures like garages or fences. Some policies may also help with debris removal and retrofitting support.
Yes. While Arizona isn’t the first state that comes to mind for earthquakes, the risk is real—especially in areas with fault lines and soft soil. Standard homeowners insurance does not cover earthquake damage, so having a dedicated policy offers critical protection and peace of mind.
Filing a claim is easy. Contact our team as soon as it’s safe, document the damage with photos and notes, and we’ll walk you through the next steps. We’re here to make the process smooth and stress-free from start to finish.
No, earthquake insurance is not legally required in Arizona. However, if you have a mortgage, your lender may recommend or require coverage depending on your location and risk factors. It’s also a smart choice for financial protection even when it’s optional.
Yes, in most cases. Arizona Earthquake Insurance is often available as an add-on (endorsement) to your homeowners insurance, or as a separate policy. We’ll help you determine the best and most cost-effective option for your needs.
Absolutely. Discounts may be available based on your home’s construction type, foundation, and even if you’ve completed seismic retrofitting. We’ll help you explore every opportunity to save.
More Questions?
If you still have questions or need further information, don’t hesitate to reach out! We’re here to help you understand all aspects of earthquake insurance and find the best options for you.
Take the Next Step
Toward Peace of Mind
Ready to safeguard your home from the unexpected? Our Arizona Earthquake Insurance is built to fit your life, your budget, and your peace of mind. Don’t wait until disaster strikes — get a personalized quote today and take control of your protection.
Earthquake Insurance for Arizona Homeowners: Protect Your Property from the Unexpected
The ground beneath us is unpredictable. While Arizona is not traditionally associated with devastating earthquakes, seismic activity is a real and present risk that many homeowners overlook. If an earthquake were to strike, would your home be protected? Unfortunately, standard homeowners insurance does not cover earthquake damage. That’s why Arizona Earthquake Insurance is an essential safeguard, offering financial security and peace of mind when the unexpected occurs.
We provide comprehensive earthquake insurance coverage to residents of the greater Phoenix metropolitan area and throughout Arizona. Our policies are designed to ensure that your home, personal belongings, and finances remain secure in the event of seismic activity. Don’t wait until it’s too late—take proactive steps to protect what matters most.
Why Arizona Homeowners Need Earthquake Insurance
Arizona may not be known as a high-risk earthquake zone like California, but seismic activity has been recorded across the state. Fault lines such as the Lake Mead Fault System and the Intermountain Seismic Belt present a potential risk for tremors, which could cause significant damage to homes and infrastructure. Even a moderate earthquake can result in costly structural damage, cracked foundations, broken pipes, and lost personal belongings.
Why Do I Need Earthquake Insurance If I Don’t Live Near a Fault Line?
Many homeowners believe that if they don’t live near an active fault line, they don’t need earthquake insurance. However, seismic activity can occur miles away from a fault and still cause significant damage. Ground shaking, soil liquefaction, and secondary effects like landslides can impact homes even in areas that are not directly above a fault line. In addition, structures built on softer soil or loose sediment can be more vulnerable to shaking, increasing the risk of damage. Having earthquake insurance ensures that you are financially prepared, regardless of your home’s proximity to a fault line.
What Does Earthquake Insurance Cover?
Our Arizona Earthquake Insurance policies are designed to provide comprehensive coverage that helps homeowners recover quickly and efficiently. A standard policy includes:
- Dwelling Coverage: Protects the structure of your home, including the foundation, walls, and roof, in the event of earthquake damage.
- Personal Property Coverage: Covers damage or loss of personal belongings such as furniture, electronics, and appliances.
- Additional Living Expenses (ALE): If your home becomes uninhabitable due to an earthquake, this coverage helps pay for temporary housing, meals, and other necessary expenses.
- Other Structures Coverage: Protects detached garages, sheds, fences, and other structures on your property.
- Debris Removal and Cleanup: Helps cover the costs of cleaning up after an earthquake, including removal of debris and fallen structures.
With these protections in place, you won’t have to face the financial burden alone when an earthquake strikes.
Customizable Coverage to Fit Your Needs
Every home is different, and so are the needs of homeowners. That’s why our earthquake insurance policies are flexible and tailored to fit your specific situation. Whether you own a single-family home, condominium, or rental property, we offer coverage options that align with your financial goals and level of risk.
We understand that affordability is important, which is why we offer competitive pricing and a variety of deductible options. Our team of insurance professionals is dedicated to helping you find a policy that provides the best protection at a price that fits your budget.
Who We Serve
We proudly provide earthquake insurance to homeowners in the greater Phoenix metropolitan area and throughout Arizona. Our coverage extends to cities and communities across the state, ensuring that homeowners in high-risk and low-risk areas alike can access quality protection against seismic events.
No matter where you live in Arizona, having earthquake insurance is a smart and responsible choice to safeguard your home and financial future.
How to Get Earthquake Insurance
Getting Arizona Earthquake Insurance is simple. Our process is designed to be quick and hassle-free, so you can get the coverage you need without unnecessary delays. Here’s how it works:
- Request a Quote: Contact us to receive a personalized quote based on your home’s location, size, and construction type.
- Review Coverage Options: Our experts will walk you through your policy options, helping you choose the best coverage to fit your needs.
- Choose Your Plan: Select the policy that aligns with your budget and risk tolerance.
- Get Protected: Once your policy is active, you’ll have the peace of mind knowing that your home and belongings are covered in case of an earthquake.
The Cost of Not Having Earthquake Insurance
Many homeowners underestimate the financial impact an earthquake can have. Repairing earthquake damage can be extremely costly, often amounting to tens or even hundreds of thousands of dollars. If you do not have earthquake insurance, you will be responsible for covering these expenses entirely out of pocket.
Consider the potential costs of repairs:
- Foundation repairs: $10,000 – $50,000+
- Structural damage: $20,000 – $100,000+
- Roof repairs: $5,000 – $30,000+
- Personal property replacement: $5,000 – $50,000+
- Temporary housing expenses: $2,000 – $10,000+
A single earthquake could leave you in a dire financial situation if you’re not properly insured. Investing in an earthquake insurance policy today could save you thousands in unexpected repair costs down the road.
Peace of Mind When You Need It Most
Natural disasters are unpredictable, but your financial security doesn’t have to be. With earthquake insurance, you can rest easy knowing that your home and personal belongings are protected. The cost of coverage is minimal compared to the potential financial devastation an earthquake could bring.
Arizona residents deserve the confidence that comes with knowing they are prepared for any situation. We are committed to providing homeowners with the best earthquake insurance options available, ensuring that you have the support and protection you need when it matters most.
Get a Free Quote Today
Don’t wait until it’s too late. Protect your home and finances by securing an earthquake insurance policy today. Contact us to receive a free quote and learn more about how we can help safeguard your property from seismic events.
With the right coverage, you can face the future with confidence—knowing that no matter what happens, you’re prepared.