Personal Insurance

Earthquake Insurance

Homeowners policies don't cover earthquakes. A standalone policy protects your home's structure from an often-overlooked but costly coverage gap.

Looking for Earthquake Insurance in Bluffton?

When many people think of insurance, they think of their house, their car, and maybe life insurance. What many people don’t think about though is earthquake insurance.

While earthquakes don’t strike regularly, it only takes one minor tremor to cause significant damage to your home’s foundation, resulting in tens of thousands of dollars in damage if not more.

At GSP Insurance Group, we take protecting your house very seriously, and that means not leaving any stones un-turned.

When we talk about insurance, the entire purpose of insurance is to transfer risk to an insurance company, therefore protecting your assets should the worst happen. Being that your home is most likely your most valuable asset, it only makes sense to explore the benefits of earthquake insurance.

Homeowners insurance does not cover earthquakes

In many states, earthquake insurance is sold as a stand-alone policy, meaning that it does not come as a part of your homeowners policy. Homeowners policies don’t cover earthquakes in any way, so it’s important to understand this catastrophic exclusion that exists in your coverage.

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.

How to get started on your Earthquake insurance quote

To get started on your quote, call our office or click over to our quotes page. Either way we’ll make the process simple!

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Frequently asked questions

Does homeowners insurance cover earthquake damage?
No. In many states, earthquake insurance is sold as a standalone policy and does not come as part of your homeowners policy. Homeowners policies don't cover earthquakes in any way, so it's important to understand this gap in standard coverage.
What does an earthquake policy cover?
Like homeowners insurance, an earthquake policy's main job is protecting your home, so the most important limit is Dwelling Coverage for the main structure. There may also be coverage for personal property. A deductible applies, typically ranging from $1,000 up to $10,000 or more.
Is earthquake insurance worth it if quakes are rare here?
It only takes one minor tremor to cause significant damage to your home's foundation — potentially tens of thousands of dollars. Since your home is likely your most valuable asset, transferring that risk to an insurer can be worth exploring.

Related coverage

Homeowners Insurance

Your home is likely your most valuable asset. We help South Carolina homeowners compare real coverage — not just price — across the carriers we represent.

Flood Insurance

Homeowners insurance does not cover flood. We help Lowcountry homeowners compare NFIP and private flood policies — before the typical waiting period applies.

Ready to talk it through?

Tell us a little about what you need and one of our agents will reach out. We'll shop your coverage and come back with real options.

Request a Quote (833) 414-3040