Earthquake Insurance

Protect Your Home & Business from Earthquake Damage

Comprehensive Earthquake Insurance for Washington Residents

Washington state is one of the most seismically active regions in the U.S., making earthquake insurance a smart investment for homeowners and business owners alike. Standard homeowners and renters insurance policies DO NOT cover earthquake damage, which means a single tremor could result in thousands in out-of-pocket repair costs.



At A.G. Beck Insurance, we offer customized earthquake insurance policies that protect homes, businesses, and rental properties from the financial impact of earthquakes. As an independent agency, we compare top-rated insurers to find you the best coverage at the most competitive rates.


Serving Silverdale, WA, and high-risk earthquake zones across Washington.

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What Does Earthquake Insurance Cover?

Earthquake insurance covers damage directly caused by seismic activity, ensuring you don’t face financial ruin after a major tremor.

Structural Damage Coverage

  • Covers the cost of repairs or rebuilding if your home or business is damaged by an earthquake.
  • Includes coverage for walls, foundations, roofs, and support structures.

Personal Property Protection

  • Covers furniture, electronics, appliances, and valuables damaged during an earthquake.
  • Optional high-value item endorsements for jewelry, fine art, and collectibles.

 Loss of Use (Temporary Housing & Relocation Costs)

  • Covers temporary living expenses, hotel stays, and meals if your home is uninhabitable after an earthquake.
  • Helps you maintain your standard of living while repairs are underway.

Not sure if your property is at risk? We offer free earthquake risk assessments to help determine your insurance needs.

Who Needs Earthquake Insurance?

Washington state has dozens of active fault lines, and experts warn that a major earthquake could occur at any time.


Earthquake Insurance is Essential for:

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Homeowners in high-risk seismic zones

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Landlords and rental property owners

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Business owners protecting commercial properties

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Residents living near active fault lines (e.g., Cascadia Subduction Zone)

Taking your boat out soon? Call (360) 692-5998 for a free consultation today!

Why Choose A.G. Beck Insurance for Earthquake Coverage?

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Affordable, Customizable Policies

We find budget-friendly earthquake insurance tailored to your home’s location, structure, and risk factors.

Independent & Unbiased

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We compare multiple insurers to get you the best protection at the lowest price.

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Quick Claims Processing

If an earthquake occurs, we guide you through the claims process, ensuring a smooth and hassle-free experience.

Home & Business Protection

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We provide earthquake insurance for residential, rental, and commercial properties in Washington.

Need earthquake insurance? Call (360) 692-5998 today!

Earthquake Insurance Discounts & Cost Savings

Looking for affordable earthquake insurance? Your home or business may qualify for these cost-saving options:

  • Retrofitted Home Discount – Save money if your home has been reinforced to withstand seismic activity.
  • Multi-Policy Discount – Lower rates when you bundle earthquake insurance with homeowners or business insurance.
  • Higher Deductible Savings – Opt for a higher deductible to reduce your monthly premium.
  • Loyalty Discount – Discounts for long-term policyholders who renew their coverage.

We’ll help identify every available discount to lower your earthquake insurance costs!

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Frequently Asked Questions (FAQ) About Earthquake Insurance

  • Does my homeowners insurance cover earthquake damage?

    No—standard homeowners, renters, and business insurance policies DO NOT cover earthquake damage. You must purchase a separate earthquake insurance policy to be protected.

  • How much does earthquake insurance cost?

    Costs depend on your property’s location, age, and risk level. Many policies start at just a few hundred dollars per year, making it a smart investment for homeowners in high-risk zones.

  • How much coverage do I need?

    Your earthquake insurance should cover the cost of rebuilding your home and replacing personal belongings. Our agents will help determine the right coverage limits for your needs.

  • Is earthquake insurance required in Washington?

    No—Washington state does not require earthquake insurance, but financial experts highly recommend it for homeowners in high-risk areas.

  • Can renters get earthquake insurance?

    Yes! Renters earthquake insurance covers personal belongings, temporary relocation costs, and liability risks in case of seismic damage.

Still have questions? Call (360) 692-5998 for expert guidance!

Get a Free Earthquake Insurance Quote Today!

Don’t Wait for the Big One—Protect Your Home & Finances Now

At A.G. Beck Insurance, we help homeowners, renters, landlords, and business owners secure affordable earthquake insurance to prepare for the unexpected.

  • Compare earthquake insurance quotes from top providers.
  • Customizable coverage tailored to your home or business.
  • Expert guidance from local, trusted agents.
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Call us at (360) 692-5998 to speak with an earthquake insurance expert.

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Request a free, no-obligation earthquake insurance quote online.

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Get a Free Earthquake Insurance Quote →

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Be prepared before disaster strikes—get your earthquake coverage today!