Do You Need Earthquake Insurance in Utah?

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Written by
Bob Phillips
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When it comes to protecting your home from natural disasters in Utah, understanding your insurance coverage is critical. You’re likely here seeking clarity on how earthquake insurance can shield your home and finances from the devastating impact of seismic events. Rest assured, you’re in the right place.

Earthquakes are unpredictable, and the standard homeowners insurance policy often falls short when it comes to covering earthquake damage. This gap in coverage can leave homeowners facing substantial financial loss and uncertainty in the wake of a disaster. With the increasing frequency of earthquakes in Utah, the importance of securing comprehensive earthquake insurance cannot be overstressed.

Drawing on decades of expertise in the insurance industry, this article will cover the complexities of earthquake insurance, highlighting the critical scenarios where your homeowners insurance will and won’t offer protection.

Key Takeaways

  • Utah averages 33 earthquakes per year

  • Standard homeowners insurance policies typically exclude earthquake damage

  • Utah residents should seriously consider the benefits of adding earthquake insurance

Do I need earthquake insurance in Utah?

Yes, considering Utah’s seismic activity, obtaining earthquake insurance is a prudent decision to protect your home and finances from potential earthquake damage.

Utah sits on the Wasatch Fault, which is active and poses a significant risk for earthquakes. Although not every homeowner may face the same level of risk, the state’s geological history suggests that the potential for damaging earthquakes is real. Standard homeowners policies do not cover earthquake damage, leaving a substantial financial gap in the aftermath of such an event.

Earthquake insurance can fill this gap, offering coverage for repair or replacement costs of your home and personal property, along with additional living expenses if your home is uninhabitable. Given the unpredictability of earthquakes and the substantial costs associated with recovery, residents in Utah should seriously consider the benefits of adding earthquake insurance to their financial protection strategy.

What You Should Know About Earthquake Insurance In Utah

As residents of Utah face the reality of living in an earthquake-prone area, understanding the nuances of earthquake insurance is extremely important. This insurance is not just an added expense; it’s an investment in the safety and security of your home and financial future.

Understanding the  specifics of deductibles, waiting periods, and having adequate coverage is needed to ensure you’ll have the right coverage if you need it.


When it comes to earthquake insurance in Utah, deductibles differ significantly from those found in standard homeowners policies. Typically expressed as a percentage of the policy’s coverage limit, these deductibles usually range between 10% to 20%.

This means if your home is insured for $300,000 and your earthquake insurance has a 15% deductible, you would be responsible for the first $45,000 of repair costs. This structure emphasizes the importance of being financially prepared for the initial costs of an earthquake’s aftermath before insurance assistance begins.

Waiting Periods

Waiting periods are another feature of earthquake insurance policies you should consider. Unlike immediate coverage seen in other insurance types, earthquake insurance often includes a waiting period from the time of purchase to when the coverage actually takes effect.

This period can vary, but it’s typically around 30 days. The rationale behind this is to prevent last-minute policy purchases in anticipation of an imminent earthquake, ensuring that the principle of shared risk remains balanced among all policyholders.

Adequate Coverage

When it comes to earthquake insurance, ‘adequate coverage’ refers to a policy that comprehensively protects your property’s structure, your personal belongings, and provides for living expenses if your home becomes uninhabitable. It’s key to assess the replacement cost of your home accurately and to understand the limits of personal property coverage and additional living expenses included in your policy.

Adequate coverage means your insurance not only helps to rebuild your home but also supports you through the potentially long process of recovery, making it a cornerstone of earthquake preparedness in Utah.

Does Your Insurance Provider Offer Earthquake Insurance?

Understanding whether your insurance provider offers earthquake insurance is crucial for homeowners in earthquake-susceptible regions. This knowledge is essential because standard homeowners insurance policies typically exclude earthquake damage. Without this specific coverage, you could be left with significant financial burdens in the event of an earthquake.

Knowing your provider’s stance on earthquake insurance enables you to make informed decisions about your coverage needs. If your current provider doesn’t offer earthquake insurance, you might need to consider purchasing a separate policy from a different insurer that specializes in earthquake coverage. This step ensures that your home and belongings are adequately protected against seismic events.

Moreover, evaluating the availability of earthquake insurance through your provider can lead to a better understanding of the coverage options, deductibles, and premiums available to you. This information is vital for comparing policies and ensuring that you receive the most comprehensive protection for your investment at a reasonable cost.

How Much Is Earthquake Insurance In Utah?

The cost of earthquake insurance in Utah can vary widely based on several factors. These factors include the location of your home (proximity to fault lines), the construction type and age of your home, its value, and the chosen deductible and coverage limits.

Homes made of brick or masonry are generally more expensive to insure against earthquakes than those made of wood, due to the higher risk of damage. Additionally, opting for lower deductibles and higher coverage limits will increase your premium.

Here’s a simplified table showing hypothetical average costs for earthquake insurance in Utah, reflecting a range of scenarios. Keep in mind, these figures are illustrative and actual rates will vary.

Home Value Construction Type Annual Premium Range
$250,000 Wood Frame $400 – $800
$250,000 Brick/Masonry $600 – $1,200
$500,000 Wood Frame $800 – $1,600
$500,000 Brick/Masonry $1,200 – $2,400

Remember, these are ranges, and the actual cost can be influenced by other factors such as your chosen deductible and additional coverages.

Is Earthquake Insurance Worth It In Utah

For residents living near fault lines or in areas of high seismic activity in Utah, investing in earthquake insurance is not just a precaution—it’s a necessity. Utah’s geological setting, especially near the Wasatch Fault, places it at significant risk for earthquakes.

The history and data surrounding seismic activity in the region underscore the potential for not just minor tremors but substantial quakes that can cause extensive property damage and financial loss.

The primary question of whether earthquake insurance is worth it can be answered by considering the devastating impact of earthquakes. These natural disasters can lead to costly repairs that many homeowners would struggle to afford out of pocket. Earthquake insurance provides a safety net, ensuring that in the wake of such an event, you’re not left bearing the full financial burden of rebuilding your life and home.

While the cost of earthquake insurance can be a concern, the investment pales in comparison to the potential costs of recovery without it. Considering Utah’s seismic history and the unpredictable nature of earthquakes, the argument strongly favors securing earthquake insurance.

Can You Get Earthquake Insurance In Utah?

Yes, you can indeed get earthquake insurance in Utah. Given the state’s vulnerability to seismic activity, especially near the Wasatch Front, having earthquake insurance is a wise decision for homeowners. Earthquake insurance is typically available as a separate policy from your standard homeowners insurance, which usually does not cover earthquake damage.

Available options for earthquake insurance in Utah include:

  • Stand-alone earthquake policies: These policies provide coverage specifically for earthquake damage, including structural damage to your home, personal property losses, and sometimes additional living expenses if your home becomes uninhabitable.
  • Endorsements or riders: Some insurance companies offer the option to add earthquake coverage to your existing homeowners policy through an endorsement or rider. This can be a convenient way to consolidate your coverage with a single provider.

As for recommendations, it’s best to start by checking with your current homeowners insurance provider to see if they offer earthquake coverage or can recommend a reputable company. However, some well-known insurance companies that offer earthquake insurance in Utah include:

  • State Farm: Known for offering comprehensive coverage options, including earthquake insurance as an add-on to homeowners policies.
  • Allstate: Provides earthquake insurance that can be tailored to fit your needs, with options for structural and personal property coverage.
  • Farmers Insurance: Offers earthquake endorsements to customize your homeowners policy, allowing for flexible coverage solutions.
  • Liberty Mutual: Known for providing customizable earthquake insurance policies to protect your home and belongings.

It’s advisable to get quotes from multiple providers through Insuranceopedia to compare coverage options and premiums. Be sure you understand the specifics of each policy, including how much coverage you need based on the value of your home and your personal risk tolerance.

How Many Earthquakes Does Utah Get?

Living in Utah, earthquakes are not always top of mind. However, since 1931 there have been 2,779 earthquake incidents in Utah, with an average of 33 earthquake incidents per year.

In fact, the largest earthquake in Utah registered a 6.0, which is a fairly major incident. Additionally, studies show that there is a one in two chance of a major earthquake along the Wasatch fault in the next 50 years.

What Is Earthquake Insurance?

Earthquake insurance is a type of property insurance policy that provides coverage for damage to your home and personal belongings caused by an earthquake. Standard homeowners insurance policies typically do not cover earthquake damage, making earthquake insurance a necessary addition for those living in seismically active areas.

Earthquake insurance can help cover the costs of repairs or rebuilding your home, replacing personal property, and may also include coverage for additional living expenses if your home is rendered uninhabitable due to earthquake damage. Policies often come with a deductible, usually a percentage of the home’s value, which the homeowner is responsible for paying before insurance coverage kicks in.

What Does Earthquake Insurance Cover?

Earthquake insurance provides coverage for various types of damage and losses resulting from an earthquake. The specifics can vary by policy, but generally, earthquake insurance covers:

  • Dwelling Coverage: This is the core component of earthquake insurance, covering the costs to repair or rebuild your home if it’s damaged by an earthquake. It typically includes the main structure of your home and any attached structures, such as a garage.
  • Personal Property Coverage: Earthquake insurance can also cover the cost to repair or replace personal belongings inside your home, such as furniture, electronics, and clothing, that are damaged as a result of an earthquake.
  • Additional Living Expenses (ALE): If an earthquake makes your home uninhabitable, ALE coverage can help pay for temporary housing and living expenses, such as hotel bills and meals, while your home is being repaired or rebuilt.

However, there are exclusions to what earthquake insurance covers. For example, damage to vehicles, land (such as landscaping), and external structures not attached to the main dwelling might not be covered. Additionally, losses from fire following an earthquake are typically covered under a standard homeowners policy, not earthquake insurance.


What is the average cost of earthquake insurance in Utah?

The average cost of earthquake insurance in Utah can vary widely based on factors like your home’s location, construction type, and the coverage limits you choose. Typically, annual premiums can range from a few hundred to over a couple of thousand dollars.

Can you add earthquake insurance to home insurance?

Yes, in many cases, you can add earthquake insurance to your existing home insurance policy as an endorsement or rider. This allows you to extend your coverage to include damage caused by earthquakes, which is not typically covered by standard homeowners insurance.

Can you buy earthquake insurance separately?

Yes, you can buy earthquake insurance as a separate policy independent of your homeowners insurance. This standalone policy is specifically designed to cover earthquake damage and may be offered by companies specializing in earthquake or disaster insurance.


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