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Earthquake Insurance

It’s a gorgeous spring day in Seattle.  The months of rain and darkness make a day like this worth it.  While the threat of flooding, wind, ice and snow are not top of mind for us on a day like this, the invisible threat of earthquake is. Earthquakes continue to be a common topic, especially for us in the Seattle area, as we are told the “big one” is overdue.

Here is a website that shows recent earthquakes in the Pacific Northwest.

We often get questions about earthquake coverage for homes.  Earthquake damage is almost always excluded from homeowner insurance polices.  Earthquake Insurance can usually be purchased as a separate insurance policy.

The amount of coverage and the deductible’s are often much different than a typical home insurance policy.

It’s best to talk to your insurance agent about options for your home.  Give us a call if you have questions. 425-743-3046

In any event there are things you can do to help reduce damage and injury in the event of an earthquake.

How to Reduce Earthquake Damage
To reduce damage inside, think heads up. Look at your ceiling and walls to see what might fall.

  • Anchor bookcases and filing cabinets to walls.
  • Secure ceiling lights, suspended ceilings and other hanging items to the building structure.
  • Anchor water heaters and large appliances to walls using safety cables or straps, and lock the rollers of all appliances and furniture.
  • Fit all gas appliances with flexible connections and breakaway gas shut-off devices or install a main gas shut-off device.
  • Add anchor bolts or steel plates between your home’s structure and foundation.
  • Brace the inside of your home’s cripple wall with sheathing.
  • Brace unreinforced chimneys, masonry, concrete walls and foundations.

During an Earthquake

Protect Yourself When the Ground Starts to Shake


  • If you’re indoors, stay there.
  • Move away from windows, skylights, doors and things that could fall.
  • Duck, cover and hold until the shaking stops.


  • Move quickly into the open, away from electrical lines, trees and buildings.
  • Drop to the ground and wait for the shaking to stop.


  • Slowly bring your vehicle to a stop at the side of the road.
  • Don’t stop on or under bridges, under power lines or near roadway signs.
  • After the shaking has stopped, continue driving but watch out for damage to the road.

Posted on: March 30th, 2016 at 7:02pm by iang. Filed under: Earthquake, Earthquake Insurance, Homeowner Insurance, Insurance

Get a Quote or call for a quote at 425-743-3046