Indiana Earthquake Insurance

Find the right earthquake insurance policy for you.

Written by Steve Dahl
Written by Steve Dahl

Steve is a financial services expert who has dedicated himself to the insurance industry for the last 5+ years. Steve is a key contributor to


Indiana lies on the New Madrid fault line, along with neighboring states Missouri, Kentucky, Illinois, Tennessee, Mississippi, and Arkansas. While earthquakes are relatively rare here, it’s important for homeowners to be ready for anything. Older homes, in particular, can be severely damaged by even low-magnitude quakes, as their structures are less sound over time. Many insurers offer Indiana earthquake insurance – but how will you know if the policy is competitively priced, and whether or not it covers all your risks?

You can get guidance from an independent insurance agent in our network. These agents work with several insurers, unlike captive agents who work for only one – so you’ll be able to see a broad spectrum of options. Call an independent agent who can help you compare Indiana earthquake insurance quotes so you can find coverage to protect your home from this destructive force of nature. While Indiana doesn’t suffer from earthquakes all the time, a few notable earthquakes caused very significant damage, as follows:

  • The most devastating earthquake in Indiana occurred on September 27, 1909 (magnitude 5.1)
  • The second worst earthquake occurred on June 18, 2002 (magnitude 4.6)
  • The third most damaging earthquake occurred on November 9, 1968

As you can see, it wasn’t so long ago that a high magnitude earthquake struck Indiana. Be sure you’re protected from seismic events with the best Indiana earthquake insurance on the market. An independent agent can help you get the best coverage out there.


Save on Earthquake Insurance

Our independent agents shop around to find you the best coverage.

What Does IN Earthquake Insurance Cover?

Damage from earthquakes is typically not covered under the standard homeowner’s policy. You have to purchase earthquake insurance separately. Indiana earthquake insurance will cover you for any damage to your home from a seismic event, including the following:

  • Damage to the foundation of your home
  • Damage to the overall structure of your home, both inside and outside

Are There Earthquake Coverage Exclusions?

Some Indiana earthquake insurance policies may have exclusions for those who live near a fault line where earthquakes are known to occur. Check with your independent agent to learn more about exclusions you could face.


Save on Earthquake Insurance

Our independent agents shop around to find you the best coverage.

Can I Prepare for an Earthquake?

You can be reasonably prepared for an earthquake, as technology has vastly improved the ability to warn citizens of the possible occurrence of an earthquake. Earthquakes are just one of many potential natural disasters that can occur to a homeowner. It is best to always have emergency supplies on hand and to know what to do if you experience a serious earthquake. When an earthquake occurs, either vacate your home immediately if at all possible or seek shelter in a doorway for the best protection. It’s also a good idea to have an emergency kit on hand for an earthquake. Your kit can include:

  • Workable flashlights and batteries
  • Several days worth of bottled water
  • Several days worth of dry or packaged food supplies
  • A first aid kit

When an earthquake occurs and causes damage to your home, contact either your insurance agent or the company that sold you the policy. It’s a good idea to photo-document your items and the structures of your home before and after an earthquake. If you have detailed information on your belongings beforehand, the claims process will go faster and more smoothly after an earthquake damages your belongings or your home. An independent agent can also be a great resource as you prepare for an earthquake. These agents can give advice about the right policy and policy limits to carry. Additionally, these agents will help you with claims and advocate for your needs to the insurance company.

Find Affordable IN Earthquake Insurance

Affordable Indiana earthquake insurance is simple to find when you contact an independent agent in our network. An independent agent can advise you on the types of earthquake insurance policies available so you can find a policy which suits your needs. These agents have access to policies from several insurers, so you can quickly compare several Indiana earthquake insurance quotes in one place. 

Call an agent today so you can feel more confident about the security of your home in an earthquake.

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