Personal Insurance
Earthquake Insurance
Earthquake coverage for Arkansas homes, added to your homeowners policy or written as a stand-alone policy.
Standard homeowners policies typically exclude earthquake and earth movement damage. Earthquake coverage can be added to many homeowners policies by endorsement or purchased as a separate policy to help protect your home's structure and belongings.
Earthquakes don't happen often, but even a moderate quake can crack a foundation and cause expensive damage. We'll explain how earthquake deductibles work, what the coverage includes, and compare options from multiple carriers.
What Earthquake Insurance typically covers
Dwelling
Helps pay to repair or rebuild your home's main structure after a covered earthquake, up to your dwelling limit.
Personal Property
Many policies offer coverage for your belongings damaged in a covered earthquake, subject to limits.
Additional Living Expenses
May help pay for temporary housing and added costs if your home is unlivable after a covered earthquake.
Separate Deductible
Earthquake coverage usually carries its own deductible, which is often higher than your regular homeowners deductible. A higher deductible generally lowers the premium.
Arkansas sits near the New Madrid Seismic Zone
Northeast Arkansas borders the New Madrid Seismic Zone, one of the most active seismic areas in the central United States. Homes across the state can feel its effects, which is why we bring up earthquake coverage during home insurance reviews.
Related coverage
Common questions
Does homeowners insurance cover earthquakes?
Typically, no. Earthquake and earth movement are excluded from most standard homeowners policies. Coverage can often be added by endorsement or purchased as a separate policy.
How do earthquake deductibles work?
Earthquake coverage usually has its own deductible that's separate from, and often higher than, your homeowners deductible. We'll walk through the options so you understand what you'd pay before the policy responds.
Is earthquake insurance worth it in Arkansas?
It depends on your home, your location, and how much risk you're comfortable carrying. Because your home is likely your largest asset, we'll review the cost and coverage so you can decide.
Ready to protect what matters with the right earthquake coverage?
Tell us what you need covered and we'll compare carriers to find your best fit.