Britton and Britton Insurance
Call Now! Austin: 512-469-0693
San Antonio: 210-493-4057
  • Home
  • About Us
    • Locations
      • San Antonio
      • Austin
    • Moving to Austin?
  • Types of Insurance
    • Auto Insurance
    • Business Insurance
    • Homeowners Insurance
    • Liability Insurance
    • Renters Insurance
    • Boat, RV, Motorcycle and Classic Car Insurance
    • Restaurant Insurance
    • Landlord Insurance
  • Blog
  • Contact Us
  • Get Your Quote
Menu back  

Are Earthquakes Covered By Homeowners Insurance?

October 25, 2021Insurance InfoBy Riley Britton

Standard Texas home insurance policies do not traditionally cover damage caused by earthquakes or floods. In fact, your homeowner’s policy probably excludes damages by these natural disasters so you may be interested in a separate insurance policy to protect your home and financial investment.

In recent years some insurance companies have begun to offer an earthquake endorsement to amend your existing policy and add this important coverage by request. Ask your Britton and Britton Insurance agent about this very affordable coverage option and availability on your current home insurance policy. If by chance it is not available, then request your agent simply provide a quote for standalone earthquake policy protection through one of their other insurance companies. 

“If a flood or earthquake destroys your home, you still have a mortgage obligation so insurance protection is a matter of importance.”

What are the primary causes of earthquakes in Texas?

Shifting tectonic plates and existing known faults, along with adjustments in substructures from manmade activities are the primary causes of earthquakes in Texas. Explosive volcanic eruptions could hypothetically be considered a contributing factor, however, the volcanic sites in Texas are thought to be extinct. 

As the practice of hydraulic fracturing, or “fracking,” becomes more common, scientists are concerned that the incidence of earthquakes may be increasing in the coming years. The analysis by Rystad Energy https://www.rystadenergy.com/newsevents/news/press-releases/treating-the-us-oil-industrys-dark-water-as-earthquakes-increase-billions-needed-to-switch-course/ “showed that earthquakes of above the given magnitude accumulated to a count of 242 in 2017, growing to 491 in 2018, 686 in 2019, and 938 in 2020. Around 570 such tremors have been recorded through the first five months of 2021, meaning we may see a new record this year if the trend continues.” 

Where do earthquakes occur in Texas?

The Balcones fault in central Texas and portions of the more mountainous western region experience the most shifting.  Most of the reported earthquakes were felt in the Panhandle and western Texas. With some reports eastern and south-central region of the state near San Antonio and along the Balcones Fault that runs near Austin. Follow this link to see a list of reported earthquakes in the past 30 days. https://earthquake.usgs.gov/earthquakes/map/?extent=25.46342,-111.00589&extent=37.70147,-85.58353&range=month&magnitude=all&listOnlyShown=true&showUSFaults=true&baseLayer=terrain

What does earthquake insurance cover?

Earthquake insurance can reimburse for damage to the structure, temporary living expenses and personal property replacement subject to the deductible

How much does earthquake insurance cost?

There is no average rate for Texas standalone earthquake insurance. The cost will depend on your location and the value of the home, your property, your deductible selection and the items you want to insure. Separate earthquake policies are usually inexpensive because earthquake damage is rare in Texas currently costing less than $200.00 dollars per year for the average home.

How do you find Texas earthquake insurance quotes?

Contact your local Britton and Britton independent insurance agent and we can start working on your quotes. If you prefer to submit online simply complete the quote request for “homeowners” and in the remarks section note interest in earthquake quotes as the same information is required for both.

https://www.brittonandbritton.com/get-a-quote/

Find out more information on earthquakes  by visiting  https://www.usgs.gov/natural-hazards/earthquake-hazards/earthquakes

About the author

Riley Britton

Related posts
landlord insurance in austin tx
Should I Get Landlord Insurance For Rental Property?
April 14, 2022
crypto, cyber and identity theft
Does Home Insurance Liability Cover Crypto, Cyber Or Identity Theft?
February 7, 2022
protect your home from severe texas winter weather
Is your Home ready for a Texas Winter Storm?
January 7, 2022
classic cars that need classic car insurance
Do you need Classic Car Insurance?
December 20, 2021
does insurance cover a diamond falling out of an engagement ring?
Does Insurance Cover Diamond Falling Out Of Engagement Ring?
November 10, 2021
What RV Insurance Coverages Are Available?
September 20, 2021
Recent Posts
  • Should I Get Landlord Insurance For Rental Property?
  • Does Home Insurance Liability Cover Crypto, Cyber Or Identity Theft?
  • Is your Home ready for a Texas Winter Storm?
  • Do you need Classic Car Insurance?
  • Does Insurance Cover Diamond Falling Out Of Engagement Ring?

Get Your Free Quote!

  • Britton & Britton wants to help you prepare by getting you a free online quote for your insurance. When you’re ready, talk to a Britton & Britton agent to learn how we can best keep you and yours protected.
  • Start Your Quote
  • Start Your Quote
  • Start Your Quote
  • Start Your Quote
  • Start Your Quote
  • Start Your Quote
  • Start Your Quote
  • Start Your Quote
  • Start Your Quote
  • Start Your Quote
  • Start Your Quote
  • Start Your Quote
  • Start Your Quote
  • Start Your Quote
  • Start Your Quote
  • Start Your Quote
  • Start Your Quote
  • Start Your Quote
  • Start Your Quote
  • Start Your Quote
  • Start Your Quote

Navigation:
  • Home
  • About Us
  • Types of Insurance
  • 24/7 Support
  • Blog
  • Get Your Quote
  • Locations
Contact Us in Austin
Britton and Britton Insurance
100 Congress Ave, Ste. 2000
Austin, TX 78701
512-469-0693
Contact Us In San Antonio
Britton and Britton Insurance
9901 IH 10 W#800
San Antonio, TX 78230
210-493-4057
Recent Blog Posts
  • Should I Get Landlord Insurance For Rental Property?

    Should I Get Landlord Insurance For Rental Property?

    April 14, 2022
  • Does Home Insurance Liability Cover Crypto, Cyber Or Identity Theft?

    Does Home Insurance Liability Cover Crypto, Cyber Or Identity Theft?

    February 7, 2022
  • Is your Home ready for a Texas Winter Storm?

    Is your Home ready for a Texas Winter Storm?

    January 7, 2022
  • Do you need Classic Car Insurance?

    Do you need Classic Car Insurance?

    December 20, 2021
  • Does Insurance Cover Diamond Falling Out Of Engagement Ring?

    Does Insurance Cover Diamond Falling Out Of Engagement Ring?

    November 10, 2021

trusted choice logo

Descriptions of insurance products and packages are meant to offer general ideas only, are necessarily brief, and are subject to policy provisions, limits, deductibles, exclusions and conditions that can only be expressed in the policy itself. For a broader explanation of coverages, please consult one of our licensed agents. Coverages and programs vary by company. In the event of a conflict, the terms and conditions of the policy prevail.


austin seo
© Copyright 2016 | Privacy Policy | Sitemap | Google+