Utah sits on one of the most active seismic zones in the western U.S. Standard homeowners insurance doesn't cover earthquake damage. A separate earthquake policy protects your home when the ground starts shaking.
Earthquake insurance covers damage to your home and belongings caused by seismic activity — something your homeowners policy specifically excludes.
Covers structural damage to your home caused by an earthquake.
Covers belongings damaged or destroyed by earthquake shaking.
Pays for temporary housing if your home is uninhabitable after a quake.
Covers detached garages, fences, and other structures on your property.
Covers cracking, shifting, and settling of your home's foundation.
Covers ongoing expenses while your home is being repaired or rebuilt.
Any homeowner along the Wasatch Fault or other Utah seismic zones should seriously consider earthquake coverage. The question isn't if there will be a major earthquake — it's when.
Most Utah homes cost $150–$800/year to insure for earthquake damage. Rates depend on location, construction type, and coverage amounts.
No. Standard homeowners policies specifically exclude earthquake damage. You need a separate earthquake policy.
Earthquake insurance deductibles are typically 10–20% of your dwelling coverage. On a $400,000 home, that's $40,000–$80,000. It's designed for catastrophic events, not minor damage.
Very real. Utah has the highest seismic risk outside of California and Alaska. The Wasatch Fault is overdue for a major event, according to the USGS.
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