Earthquake Insurance


Earthquake Insurance

Even if you don’t live in an area where earthquakes are common, you may still need earthquake insurance.

Living in areas prone to seismic activity, such as Indianapolis, makes understanding and considering earthquake insurance crucial. Despite the common misconception, earthquakes have affected 39 states since 1900, and the majority of Americans reside in seismically active areas. At Paul Branham Agency, we recognize the importance of this coverage and offer affordable earthquake insurance options to protect your home.

Request a free online quote or call us at 1-812-327-0690 to get started

Earthquake Insurance Options

Most standard homeowner, condo, and rental insurance policies do not cover earthquake damage. However, you can purchase this coverage as an add-on endorsement or a separate policy. Options include buying earthquake insurance from your current home insurance provider, a specialized earthquake insurance company, or through independent organizations like the California Earthquake Authority (CEA).

Does Indiana Need Earthquake Insurance?

The risk of earthquakes isn’t confined to the West Coast. Statistics suggest significant earthquake probabilities across the United States:

  • In the West: A high likelihood of major earthquakes in the San Francisco Bay area in the next 30 years.
  • In the East: A considerable chance of a major earthquake in the eastern US within 20 years.
  • In the Midwest: A notable chance of a significant earthquake in the New Madrid Fault area in the next 15 years.

What Does Earthquake Insurance Cover?

This coverage is specifically for home damage caused by earthquakes. Standard policies typically exclude earthquake damage, making this endorsement essential. It’s important to note that earthquake insurance generally does not cover flood or tidal wave damage, even if it’s a result of the earthquake. However, it may cover other related damages like landslides or mudflows.

When purchasing earthquake insurance, consider:

  • Coverage for your home and other structures like garages.
  • Coverage for contents and additional living expenses if your home is uninhabitable.
  • Policy exclusions or limitations.
  • Deductible amounts before insurance coverage begins.

Preparing for Earthquakes in Indiana

  • Secure appliances and furniture to walls.
  • Create a family emergency plan.
  • Keep emergency supplies like flashlights, batteries, and a portable radio.
  • Know how to shut off utilities.
  • Consider home improvements to reduce damage.

What to Do During an Earthquake

  • Stay indoors under sturdy furniture.
  • If outdoors, move away from buildings and power lines.
  • If driving, stop safely away from hazards.
  • Avoid using candles and utilities until they’re deemed safe.


Earthquake insurance needs can vary greatly. Contact Paul Branham Agency today to discuss how we can provide you with the best price and value on earthquake insurance, tailored to your specific needs and location.”