Dwelling
This coverage protects your home’s structure against damage from a covered event such as a wind, hail, lightening or fire. It will pay to replace the home’s structural components.
Protection from Mother Nature – Earthquake Insurance in Olympia & Centralia, WA
You may think earthquake insurance is just for people in high-risk areas, but did you know that almost the entire United States is prone to earthquakes? The West Coast is especially at risk; it has nearly a 70 percent chance of a 6.7 earthquake (or larger).
Earthquake insurance protects your property and your possessions after an earthquake. Since your homeowners (or renters’) insurance policy does not cover earthquake loss, getting earthquake insurance can protect what you love.
Some avoid getting earthquake insurance because they assume they’re safe. But even if you don’t live close to a fault line, earthquakes come with other dangers, like the risk of a tsunami and soil liquidation.
Cross Insurance Agency can help you find the best earthquake policy for your property. We’ve seen almost everything when it comes to insurance in our 24 years of business. Our licensed agents can guide you through the insurance process and help you choose the policy that best fits your situation and budget.
Other insurance companies want you to stay with them as long as possible, even if it’s not right for you. But with Cross Insurance Agency, we provide information so you can make informed decisions on your own. It’s one of the benefits of being an independent agency!
We’re also there when you need us, whether you prefer to call, text, or email. Get a quote from Cross Insurance Agency to have one of our amazing agents find you the best policy possible!
Frequently Asked Questions about Earthquake Insurance
Is earthquake insurance included in my homeowners’ insurance?
Unfortunately not. You’ll need a separate insurance policy to cover earthquake damage.
Is earthquake insurance worth the cost?
Earthquake insurance can be expensive, so only you can decide if it’s worth it. Most earthquake insurance policies feature a high deductible: upwards of 15 percent of the total insured value of your home. So, this insurance is useful if your entire home is destroyed, but less useful if your home is merely damaged.
As always, you mitigate your risk when you get insurance, but it’s up to you to decide if you need it.
Why are earthquake deductibles so high?
Earthquake deductibles vary based on the likelihood that an earthquake will occur. In states where earthquakes are common, such as California, Oregon, Washington, and Alaska, you’ll typically only find higher deductible plans.
When should I get earthquake insurance?
Always purchase insurance sooner rather than later – preferably before earthquakes are predicted. Prices rise when earthquake activity is expected. Plus, insurance companies may not be able to get you coverage in time.
So, if you’re on the fence about getting earthquake insurance, talk to your Cross Insurance agent as soon as possible.
Why should I choose Cross Insurance Agency to help me get earthquake insurance?
We know there are lots of options for insurance carriers, but we want to be at the top of your list! At Cross Insurance Agency, we always strive to be:
- Personable
- Helpful
- Informative
- Friendly
- Caring
- Encouraging
- Easy-To-Understand
We want to take the surprise out of buying insurance by building trust and offering value. We also offer many other insurance policies, like flood insurance (which also is not covered in standard home insurance policies).
What do I need to purchase earthquake insurance?
Before getting earthquake insurance, make sure to tell your Cross Insurance agent the following information:
- The age of your property
- Where you live
- The materials your home is made of
- If you have any special deductibles
Get a quote from a Cross Insurance agent today to get more information!
You can contact us via a phone call, text, or email if you have questions about earthquake insurance or Cross Insurance Agency. You can also use our booking website if you’d rather schedule a visit.
Or, if you need to manage your policy, you can use our client self-service portal or our mobile app. We’re here for you whenever you need!
Get a Quote
Cross Insurance represents the top-rated insurance companies in Washington. We will compare pricing and coverage options finding you the best policy for your needs. Call us at: 888-438-6708 or click the button to the right to send us a message for your quote.
What to do in case of earthquake damage
What to do in case of earthquake damage
- Follow the CDC’s guidelines to keep you and your loved ones safe.
- Report your claim as soon as possible.
- Have open & frequent communication with your insurance adjuster.
- Photograph your damages and save them to the Cloud, not an external hard drive. (Your insurance company will likely come out and photograph the damages as well.)
- Keep a list of all the items that were lost or broken.
- Read through your policy to ensure you understand your rights and coverage.
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