Estimate earthquake insurance premiums based on seismic risk zone and rebuilding costs.
Annual Premium
$1,440
Estimated yearly cost
Monthly Premium
$120
Annual ÷ 12
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How earthquake insurance premiums are calculated
Earthquake insurance premiums are based on your dwelling replacement value, your seismic risk zone, and your deductible percentage. High-risk zones like coastal California pay the most — roughly $4.50 per $1,000 of dwelling value before the deductible adjustment. A higher deductible percentage lowers your annual premium but increases your out-of-pocket cost when an earthquake strikes. Most earthquake policies carry deductibles between 10% and 25% of the dwelling coverage.
Results are estimates only and should not be considered professional insurance advice. Always consult a licensed insurance advisor before making coverage decisions.