There’s “The Big One” caused by the Cascadia Subduction Zone, but there are also smaller faults running through the Puget Sound region which are capable of mass destruction. Most home and condo insurance companies in Washington exclude earthquake coverage. We shop multiple earthquake insurers to find you the best earthquake insurance coverage and rates.
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Insurers We Work With
We work with a variety of Insurers but here are a few of our most popular.
Dwelling coverage provides coverage for the home and anything permanently attached to it. The earthquake policy dwelling limit is based on a replacement cost valuation.
Separate structures coverage covers detached garages, accessory dwelling units, sheds, and fences.
Personal property coverage provides coverage for your belongings, including furniture, electronics, clothing, kitchenware, etc. The earthquake policy personal property limit is based on the value of your belongings.
Loss of Use
Loss of use coverage covers additional living expenses (primarily a hotel, apartment, or rental home) if your home is rendered uninhabitable by an earthquake. The loss of use limit is based on your living expenses and the time it might take to rebuild your home.
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