Earthquake + Wildfire

Infographic: The road to recovery

Was your home or business damaged or destroyed by wildfire? To help simplify the recovery process, we offer this quick guide to what you should know about how the claims process works, and what’s covered. 


Does my business need earthquake insurance?

Though rare in many areas of the country, earthquakes can be highly destructive. Commercial property insurance covers some natural events, such as wind damage, but you must purchase separate coverage if you want protection against earthquakes. This Q&A  will help you weigh your risks and determine if you need this type of coverage. In addition, ask your insurance professional if your business should consider adding earthquake insurance.


Frequently asked questions about earthquake insurance

Q.  Do I really need earthquake insurance?

Earthquake insurance for homeowners

Earthquakes and coverage

Earthquakes can cause much harm to home structures. They can damage housing foundations and collapse walls; even relatively mild tremors can destroy furnishings and belongings.

Protecting your home from an earthquake


Earthquakes are a real threat to your home, possessions, and safety. Learn simple ways to improve the security of your home against this disaster.

Spokespersons: Jeanne Salvatore, Insurance Information Institute; Harvey Ryland, Institute for Business & Home Safety.

Copy the following code and paste it in your HTML...
<object width="480" height="385"> <param name="movie" value=""></param> <param name="allowFullScreen" value="true"></param> <param name="allowscriptaccess" value="always"></param> <embed src="" type="application/x-shockwave-flash" allowscriptaccess="always" allowfullscreen="true" width="480" height="385"></embed> </object>

Facts about wildfires

Thirty-eight U.S. states are at risk for wildfires, especially during drought conditions and in mountain, foothill or grassland areas. If this sounds like where you live, make sure you understand the risks and that you're adequately protected from these catastrophically destructive events.

Recovering from an earthquake

Protecting yourself and your family

  • First, check to be sure that no one in the family is injured. Start first aid immediately if injuries are found.
  • Be prepared for aftershocks which are normal following an earthquake.
  • Stay away from beach areas because of the danger of tsunamis (large seismic sea waves). 


Protecting your property 

    Preparing for an earthquake

    While earthquakes are most commonly associated with California, they have occurred in 39 states over the last 100 years, and have inflicted damage in all 50 states. In fact, each year there are about 5,000 earthquakes. The potential cost of earthquakes has been growing because of increasing urban development in seismically active areas and the vulnerability of older buildings which may not have been built or upgraded to current building codes.

    In case of an earthquake

    Protecting yourself and your family

    • Be sure that all family members know how to turn off utilities (gas, water and electricity) in an emergency.
    • Make sure every family member knows where safe spots are in each room, such as under sturdy tables or desks or in strong doorways.
    • Identify danger zones in each room, such as windows, bookshelves and furniture, that may fall over and cause injuries.


    Insurance for wildfires

    Insuring yourself against wildfires

    If the area in which you live is at risk for wildfires, make sure to take appropriate measures to protect your home against these catastrophically destructive events.


    However, as it's not always possible to avoid the devastation of a wildfire, it's important to protect yourself financially by having adequate insurance for: