Review Your Insurance Policy

It's important to talk to your local Safeco agent about earthquake coverage because standard home insurance policies doesn't automatically provide it. In most states, however, homeowners may add the coverage as an endorsement. In some states, separate earthquake insurance policies must be purchased.

If you have purchased earthquake insurance, your policy typically covers the cost to repair common earthquake damage—including damage to roofing and walls, and most of your belongings. Some restrictions apply. For example, your policy typically does not cover damage to fences, patios, landscaping, broken glassware or art objects.

In addition, you may have a higher deductible for earthquake damage than you have on your primary property policy. Review what’s covered and the deductible you have, so you know what to expect when you file your claim.

If you can’t live in your home, your insurance company may pay additional living expenses, as noted in your policy, while the damage is assessed and your home is being repaired or rebuilt. If the repairs take longer than the period of time covered by your policy, you may be eligible for additional assistance from federal emergency programs.

If you don’t have earthquake insurance, you may qualify for grants from FEMA.