Where this topic can change the final quote
Readers usually arrive at earthquake insurance through a price question. The better first step is to verify the facts behind earthquake endorsements and separate policies.
- Whether earthquake is excluded, endorsed, or quoted as a separate policy.
- Percentage deductible and whether it applies to dwelling, contents, or both.
- Masonry, foundation, hillside, or retrofit details.
- Mortgage or local-risk reason for considering the coverage.
- Difference between quake, landslide, sinkhole, and flood wording.
Editor note: Earthquake pages should slow the reader down because deductible wording matters as much as the premium.
Quote review questions
| Question | Why it matters |
|---|---|
| Is earthquake included or separate? | Most homeowners forms do not treat it like a standard covered peril. |
| How is the deductible calculated? | A percentage deductible can be a large out-of-pocket amount. |
| Does masonry change eligibility? | Older masonry or foundation concerns can affect options. |
| Are landslide or sinkhole handled differently? | Ground-movement wording is often narrow. |
Documents to keep beside the quote
- Retrofit records, foundation notes, or masonry inspection documents.
- Quote page showing the earthquake deductible percentage.
- Mortgage or local hazard notes explaining why separate coverage is being reviewed.
- Photos of foundation, retaining walls, chimney, or hillside exposure when relevant.