Dwelling
Structural damage from earth movement, which the base policy excludes.
Personal Insurance
Earthquake insurance for a Texas exclusion.
Earth movement is excluded from every standard property policy. North Texas has recorded enough seismic activity for that to be worth a conversation.
Earthquake cover is bought as an endorsement or a separate policy because earth movement is excluded from standard homeowners and commercial property forms everywhere in the country. North Texas is not California, but the region has recorded measurable seismic activity, and the cover is inexpensive relative to the exclusion it removes.
How it is written and what it costs
Earthquake cover typically carries a percentage deductible against the dwelling limit rather than a flat sum, in the same way wind and hail does. That is worth calculating before deciding whether the cover suits you.
Because the perceived risk in North Texas is low relative to seismic regions, premiums here are generally modest. For owners of older or masonry construction, where movement causes disproportionate damage, it is worth pricing.
What it covers
The parts of a earthquake insurance policy
Contents
Belongings damaged as a result of a covered event.
Additional living costs
Accommodation while the property is uninhabitable.
Code upgrades
The extra cost of rebuilding to current code, where included.
Working with us
What we do differently
We are an independent agency, so we place your earthquake insurance across several carriers rather than fitting you to one company's product. That means a genuine comparison, and someone to call who is not a call centre.
- Calculate the percentage deductible in dollars before deciding
- Consider it seriously for older or masonry construction
- Remember earth movement includes subsidence and sinkholes on some forms
Common questions
Earthquake Insurance, answered
Is earthquake damage covered by homeowners insurance?
No. Earth movement is excluded from every standard homeowners and commercial property policy. It has to be added by endorsement or bought as a separate policy.
Is it worth having in North Texas?
The region has recorded measurable seismic activity, and premiums here are modest compared with high-risk areas. It is worth pricing, particularly for older or masonry construction.
How does the deductible work?
Usually as a percentage of the dwelling limit rather than a flat amount, similar to wind and hail. Work out the dollar figure before deciding whether the cover suits you.
Related cover
Often arranged alongside this
Homeowners Insurance
Hail is the peril that defines property insurance in DFW. How your policy settles a roof claim matters more here than almost anywhere else in the country.
Read moreFlood Insurance
No homeowners, condo or renters policy covers rising water. In DFW, flooding is a flash-flood and drainage problem as much as a floodplain one.
Read moreWindstorm Insurance
Wind and hail is usually included in a Texas property policy — but with its own deductible, and often its own roof settlement rules.
Read moreReady for a earthquake insurance quote?
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