Earthquakes are hard to forecast, so you never know when or where one will occur. Earthquake insurance can often be purchased as a separate policy or added to an existing homeowner’s policy. The cost depends on the value of your home and where you live.

Earthquake insurance will help you rebuild or repair your home after it’s been damaged by an earthquake. It will also help you with the costs of living accommodations if you’re unable to live in your home due to the damage.