Earthquake deductibles are percentage-based, typically 5%–25% of the dwelling coverage limit. On a $300,000 home with a 15% deductible, you’d pay the first $45,000 of loss before coverage responds. Lower deductibles cost more in premium; higher deductibles cut premium but increase retained loss. Most Southeast homeowners pick 10%–15% based on risk exposure.
Get an earthquake quote tailored to your home.
Tennessee. It's the only Southeast state sitting between two active seismic zones — the New Madrid Seismic Zone in the west (Memphis) and the Eastern Tennessee Seismic Zone in the ...
Renters don't own the building, but their personal property is not covered by the landlord's policy. An earthquake endorsement on a renters insurance policy protects belongings against seismic damage for ...
An earthquake endorsement attaches to your existing homeowners policy — administratively simple and typically less expensive. A standalone policy from a specialty carrier (Palomar, GeoVera, ICW, Arrowhead) provides broader coverage ...
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We service clients in the Alabama, Florida, Mississippi, Louisiana, North Carolina, Tennessee & Georgia areas.
DISCLAIMER: Informational statements regarding insurance coverage are for general description purposes only. These statements do not amend, modify or supplement any insurance policy. Read your policy or consult with your agent for details. Your eligibility for particular products and services is subject to final underwriting and acceptance by the insurance company providing such products or services.
This website does not make any representations that coverage does or does not exist for any particular claim or loss, or type of claim or loss, under any policy. Be sure to read the policy, including all endorsements, or prospectus, if applicable.
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