BUILDING PROPERTY COVERAGE
Covers repair or rebuilding costs for structural damage to the building caused by an earthquake, including walls, roofs, and foundations.
WHY PAY MORE?
GET AFFORDABLE EARTHQUAKE INSURANCE RATES
Building Property
Contents
Loss of Use
Commercial Earthquake
Other
HANDPICKED CARRIERS –
LOWER COSTS, HIGHER SATISFACTION
WHY IS CINCO THE BEST CHOICE FOR EARTHQUAKE INSURANCE?
Competitive Rates
Industry Expertise
With or Without a License
With Good Credit, Bad Credit, or No Credit
Online/
Phone/
In-Person
Services
Multiple Convenient Locations Near You
WHAT COVERAGES CAN I GET FOR MY EARTHQUAKE INSURANCE?
CONTENTS COVERAGE
Protects personal belongings inside the building, such as furniture, electronics, and appliances, from damage caused by earthquakes.
LOSS OF USE COVERAGE
Loss of use coverage reimburses you for rental income lost if your property is damaged and unlivable for a while, ensuring you don’t suffer income loss.
LANDSCAPING COVERAGE
Covers damage to outdoor features, such as trees, shrubs, and fences, caused by an earthquake.
STRUCTURAL DAMAGE COVERAGE
Protects against damage to the building's physical structure, including floors, walls, and roof, due to earthquake tremors.
FOUNDATION COVERAGE
Covers damage to the building's foundation caused by ground shaking, helping to repair cracks and address structural issues.
GARAGE COVERAGE
Provides protection against damage to garages and other detached structures caused by earthquakes.
INVENTORY COVERAGE
Covers inventory or goods stored in the building, protecting against loss or damage during an earthquake.
PERSONAL PROPERTY COVERAGE
Personal property coverage protects your belongings inside your home against earthquake damage, ensuring your financial investments are not harmed.
BUILDING CODE UPGRADE COVERAGE
Building code and upgrade coverage pays extra expenses to meet building code standards after earthquake damage, ensuring compliance with regulations.
HOW IT WORKS
EXPLORE
Visit our website to fortify your home against earthquake damage with our comprehensive earthquake insurance solutions.
CONNECT
Connect with our esteemed insurance agents to learn more about our specialized earthquake insurance solutions and clear any queries you may have.
COMPARE
Obtain quotes from CINCO and compare them against many others to eventually find the best earthquake insurance for your home.
WHAT IS EARTHQUAKE INSURANCE?
Earthquake insurance protects homeowners against the financial losses caused by earthquakes. Standard homeowners insurance typically does not cover this, although it may cover damage from fire, theft, or storms. Earthquake coverage specifically addresses the damages resulting from earthquakes, ensuring you don’t have to spend all your savings and finances on the rebuilding and restoration of your home.
This type of insurance helps cover the cost of structural damage to your house, as well as repair and replacement costs for personal belongings lost or damaged in the disaster. It ensures that property owners are not left to bear the entire financial burden of earthquake damage alone and helps start the reconstruction and repair immediately. You should always consider the value of your home before setting the limits.
FACTORS THAT IMPACT EARTHQUAKE INSURANCE RATES
Earthquake insurance rates can vary among different policyholders. This is mainly because every insurance provider evaluates your risks and needs before proposing a policy. For example, if you own a property constructed using earthquake-resistant materials in an area that isn’t usually affected by earthquakes, you can expect to pay less for your insurance. These differences account for the varying insurance prices among policyholders. Here are some factors that play a role in determining your rates:
Location
Property Value
Building Materials
Construction Type
Age of the Building
Proximity to Fault Lines
Earthquake Risk Zone
Coverage Amount
Deductible Amount
Building Elevation
Foundation Type
Claims History
Property Size
Local Building Codes
Securing and Reinforcing Structures
WHO IS REQUIRED TO HAVE EARTHQUAKE INSURANCE?
If you live in an earthquake-prone region, having earthquake insurance is non-negotiable. This type of coverage safeguards your investment against unforeseen damages that could jeopardize your financial health. It takes decades to construct a home. However, it may be devastated within hours by a strong earthquake. Therefore, taking precautions in the form of adequate coverage is necessary, rather than simply relying on luck. Here is a list of individuals who should look into purchasing this type of insurance policy:
Homeowners in seismic zones where earthquakes are a known risk.
Renters in earthquake-prone regions to protect personal belongings.
Homeowners with high-value property in earthquake-prone areas.
Real estate investors with properties located in earthquake-risk zones.
Owners of unreinforced masonry buildings that are vulnerable to earthquake damage.
Property owners near fault lines or active seismic areas.
Business owners in high-risk areas to protect commercial property and inventory.
Landlords renting properties in seismic zones to safeguard rental properties.
Owners of older buildings that may not meet modern seismic standards.
Individuals with mortgage requirements in areas with earthquake risks, especially if required by lenders.
WHY IS EARTHQUAKE INSURANCE NECESSARY?
HOW DOES EARTHQUAKE INSURANCE WORK?
Earthquake insurance provides financial protection for your home, possessions, and sometimes additional living expenses in case of an earthquake. Unlike standard homeowners or renters' insurance, which usually excludes earthquake damage, this specialized policy covers repairs and replacements for damages caused by seismic activity. Based on your coverage levels, your policy helps cover the costs.
However, when you file a claim, you would generally need to pay a certain amount, called a deductible, before the insurance money flows in. This is why you should carefully select your deductible amount. When purchasing earthquake insurance, insurers consider factors such as the location of your property, its proximity to fault lines, the age and construction materials of the building, and your desired coverage limits.
HOW MUCH EARTHQUAKE INSURANCE DO I NEED?
According to LendingTree, earthquake insurance is a valuable investment, primarily if you reside in an earthquake-prone region. It protects you against huge financial losses, ensuring your financial health is preserved, and you don’t have to spend all your hard-earned savings on repair and reconstruction. However, earthquake insurance can be pretty expensive, especially if your area is prone to frequent earthquakes.
You may purchase this insurance separately or as an add-on to your existing homeowners' insurance. Your earthquake insurance may cover your dwelling, other structures (structures that aren’t physically connected to the home), as well as your personal belongings, such as your appliances, furniture, clothing, electronic devices, and more.
WHAT DISCOUNTS CAN I GET ON EARTHQUAKE INSURANCE?
If you feel that your earthquake insurance premiums are skyrocketing, exploring potential savings opportunities is wise. Nearly every insurance provider offers some level of discounts to their customers, ensuring affordability. For instance, retrofitting your property to enhance its security against potential disasters can be a significant advantage, potentially earning you a discount. Remember always to ask your provider to explore relevant options. Here are some of the options that you can consider:
Multi-Policy Discount
Retrofitting Discount
Claims-Free Discount
Paid-in-Full Discount
New Home Discount
Higher Deductible Discount
Home Security System Discount
No Smoking Discount
Fire-Resistant Construction Discount
Group or Association Discount
HOW MUCH DOES EARTHQUAKE INSURANCE COST?
The average costs of earthquake insurance in Texas are between $500 and $800 per year if it is added as an endorsement to your underlying policy. Like home insurance, its costs vary depending on several factors since every policyholder has different insurance needs and preferences. Insurers consider numerous aspects before determining their rates.
For example, suppose you live in an area prone to earthquakes or frequently experiences them. In that case, you will be subjected to higher premiums than someone living in a relatively less vulnerable neighborhood. However, these aren’t the only factors; there are several others. You should speak with your insurance provider about such variables to better understand your options.
WHAT ARE THE ESSENTIAL REQUIREMENTS FOR AN ACCURATE EARTHQUAKE INSURANCE QUOTE?
Your insurer may request specific information, documents, or certificates to ensure you receive an accurate quote tailored to your needs. These details also help assess the risk levels associated with a policyholder. That is why you should always submit comprehensive and up-to-date information to ensure accurate quotes. Here is a list of some of the most common requirements that insurance providers may ask for to calculate a precise earthquake insurance quote:
GET A FREE EARTHQUAKE INSURANCE QUOTE
Looking for the best earthquake insurance to protect your home and belongings? CINCO is here to ease your worries. Our experienced insurance agents are ready to help you understand the importance of earthquake insurance.
To get a quote, simply answer a few questions about your property and yourself as the primary insured, and then submit. Once we receive the form, our representatives will call you with your customized quotes!
Building Property
Contents
Loss of Use
Commercial Earthquake
Other
FREQUENTLY ASKED QUESTIONS REGARDING EARTHQUAKE INSURANCE
Earthquake insurance premiums are usually not tax-deductible if you are a resident. However, if you employ the property for commercial activities or a rental business, the cost will be classified as a deductible expense under business expenses. You should speak with a tax professional to understand your situation.
The cost of earthquake insurance typically varies based on certain factors, such as your property’s location, construction type, level of potential risk in your locality, and the value of your property. These factors help determine the risk levels and estimate potential damage costs.
In multiple scenarios, earthquake insurance is refundable if the policy is canceled; however, the amount of refund is determined by the insurance provider’s terms and conditions. They are normally calculated based on the remaining term of the policy, minus any administrative fees.
CRUCIAL EARTHQUAKE STATISTICS AND INSIGHTS YOU SHOULDN'T MISS
Earthquakes serve as a constant reminder of the Earth's ever-changing nature, and their effects can be both destructive and wide-ranging. Understanding the patterns of seismic activity, as well as the importance of being prepared and having insurance, is crucial for individuals, communities, and policymakers alike. Here are some key earthquake statistics and insights that highlight the frequency, magnitude, economic impacts, and preparedness initiatives related to earthquakes based on recent years:
01
The U.S. experiences around 177 earthquakes of magnitude 4.0 or greater each year within 186 miles of its borders. (Earthquake List)
02
In some areas of the US, the shaking from earthquakes can lead to the ground acting like a liquid, which causes buildings to sink or overturn. (Wikipedia)
03
In the U.S., most earthquakes happen in the less populated regions along the Gulf of Alaska and the series of islands in the Bering Sea. (World Data)
04
In 2018, there was a notable increase in the number of earthquakes near the United States. (Earthquake List)
05
In 2024, there were 1,374 earthquakes worldwide that had a magnitude of five or greater, recorded up until December of that year. (Statista)
06
In 2022, the California Earthquake Authority was the largest provider of earthquake insurance premiums in the United States. (Statista)
07
Natural disasters, such as earthquakes, have led to a rise in homeowners' insurance premiums. (Yahoo Finance)
08
Generally, standard homeowners' insurance policies do not cover damage caused by earthquakes, floods, mudflows, landslides, and tsunamis. (Yahoo Finance)
09
There is an estimated 25-40% chance that a magnitude 6.0 or greater earthquake will occur in the New Madrid Seismic Zone within the next 50 years. (USGS)
10
Wave energy diminishes at a much slower rate in the Central and Eastern United States compared to the West. (USGS)
Note: These statistics were accurate at the time of publication and may change over time. Please refer to official sources for the most current data.
AMERICA’S FAST GROWING INSURANCE
With over 7,000+ 5 star Google reviews and counting!
Vanessa Echeverry
I love Karina’s customer service. She is amazing—super friendly and super quick at getting you your insurance and on your way! She makes the entire process easy and is very helpful. Thank you, Karina!
Google Review
Walter P
I referred a few people here because of the exceptional job my rep provided. I call her my rep because she’s the only one I’ll go to from now on, and she’s the one I’ll refer my family to. I appreciate Paula for going above and beyond with me and the referrals I provided. All of this is due to the focus she placed on my situation. I will continue referring people to Paula for insurance solutions. Thank you again!
Google Review
Joyce Evans
Thank you, Javier, for the professional customer service. I am a senior citizen and don’t always get things right the first time. Thank you for your patience. I’m glad to have CINCO Insurance close to me in Garland on Northwest Highway.
Google Review
Doris Edmond
I spoke with Veronica, an agent with CINCO. She was the BEST! I was so stressed because I had been looking for coverage. Veronica took away all my stress. She worked with me tirelessly until she found auto coverage I could afford. I highly recommend her. She's professional, kind, courteous, and—most of all—patient. The definition of good customer service is VERONICA—my agent for life!
Google Review
Alva Ayuso
Valeria was very patient and courteous with us, answered all our questions, and helped us with all the paperwork! We will definitely recommend CINCO Auto Insurance to all our friends. Very satisfied!
Google Review
Rosalinda Alvarez
THANK YOU SO MUCH, AIME!! She offers outstanding customer service, going above and beyond to ensure a smooth and satisfying experience. Her professionalism, responsiveness, and attention to detail make every interaction pleasant and efficient. I highly recommend Aime 100% for her dedication to excellence and commitment to customer satisfaction! My family and I have found a great insurance company—all thanks to Aime.
Google Review
Alexus Monique
I’m currently looking for car insurance, and I’m so glad I decided to try this place out. The insurance agent Paula was very knowledgeable and sweet. She answered all my questions and made sure I didn’t leave with any doubts! I’m highly satisfied with my experience here and will be recommending this place. 😊
Google Review
Zouquayla Butler
I recently joined CINCO, and getting started was easy breezy. Javier is a 10/10—highly recommend! Great customer service, like we were old friends catching up while taking care of business. Thanks again, Javier. Awesome!
Google Review
Jose Santos
The service is excellent, and they help you with everything. You just have to be available, and they’ll do the work for you. I loved the work my agent Yolanda did. I recommend her—just ask for her!
Google Review
Rebecca Esquivel
Javier was awesome to talk to. He explained everything in detail and even repeated himself multiple times. Very, very patient with me—quick and ready to go! I was struggling to get a good quote, but he got me in and out. Thank you, Javier. 10/10 recommend!
Google Review
CONTACT US
Founded in 1981, CINCO Auto Insurance is a licensed agency proudly serving Texas and Georgia residents with reliable insurance coverage.
Contact Us
Find Car Insurance By Make
Toyota
Ford
Chevrolet
Honda
Nissan
Jeep
Hyundai
Kia
Ram
Subaru
GMC
Volkswagen
Copyright © 2026 CINCO Auto Insurance All Rights Reserved.