Earthquake Insurance Coverages
Like homeowners insurance, earthquake insurance’s main duty is to protect your home. This means the most important coverage limit on your policy is the “Dwelling Coverage” limit, which is designed to cover the main structure of the home.
There may also be coverage for personal property as well.
You will also have a deductible, which can range anywhere from $1,000 up to $10,000 or possibly more. Like homeowners insurance, the higher deductible you take, the lower your premium will be.