The Wasatch Fault runs through Utah's most populated corridor. Geologists say a major earthquake is overdue. Your homeowners insurance excludes earthquake damage entirely — this policy fills that gap.
Here's what earthquake insurance protects you from — and why it matters for Utah residents.
Covers structural damage to your home caused by earthquake — foundation cracks, collapsed walls, shifted framing, and chimney damage.
Covers belongings damaged by earthquake — from fallen shelves destroying electronics to structural collapse damaging furniture.
Pays for temporary housing and living expenses if your home is uninhabitable after an earthquake.
Covers detached garages, sheds, fences, and retaining walls damaged by seismic activity.
For condo owners — covers your share of common area earthquake damage assessed by your HOA.
Every homeowner along Utah's Wasatch Front and anyone living near known fault lines. The Wasatch Fault is capable of a 7.0+ magnitude earthquake, and experts consider it overdue.
No — standard homeowners policies specifically exclude earthquake damage. You need a separate earthquake policy.
Typically $200–$800/year depending on your home's construction, age, foundation type, and proximity to fault lines. Deductibles are usually 10–20% of coverage.
The USGS gives the Wasatch Fault a 43% probability of a magnitude 6.75+ earthquake in the next 50 years. Given that a major quake could destroy your home and homeowners insurance won't pay, most experts say yes.
Earthquake deductibles are percentage-based (typically 10–20% of your dwelling coverage). On a $400K home, that's $40K–$80K. It's high, but it's far better than $400K in uninsured damage.
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