New York Earthquake Insurance

Find the right earthquake insurance policy for you.

Ann Herro, Insurance Expert Written by Ann Herro
Ann Herro, Insurance Expert
Written by Ann Herro

Ann Herro has been writing about insurance and employee benefits for over 15 years. She has covered topics as easy as insuring a car, and as difficult as transparency in healthcare costs.


New York State is home to the Big Apple, one of the world’s great cities, as well as beautiful countryside and historic townships. Anything you want to see, do or experience is probably here. You may not expect to experience an earthquake in New York, but NY does have tremors, and historically, major quakes as well. You can prepare for the structural and property damage of a seismic event by purchasing New York earthquake insurance.

Homeowners insurance typically does not provide coverage for earthquakes, but an older home can sustain damage from even a small tremor. An independent agent in the Trusted Choice® network can help you find an earthquake policy that closes the gaps in your coverage. Contact a local agent today to get free New York earthquake insurance quotes from multiple insurance carriers.


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Earthquake Activity in NY State

  • August 10, 1884: scale 5 earthquake affecting 70,000 square miles
  • May 27, 1897: shock of similar scale moves across New England states out to Quebec, Canada
  • February 28, 1925: large shock felt throughout the Northeastern U.S. and Canada;  2 million square miles affected
  • August 12, 1929: strong shock felt across the Northeastern U.S. affects 97,000 square miles
  • Nov 1, 1935: an earthquake with a magnitude of 6.25 in Quebec affects NY state
  • Dec 24, 1940: large shock in NH extends into NY state
  • Sept 4, 1944: large shock between NY and Ontario, Canada causes reported $2 million in damage
  • Jan 1, 1966: 4.7 scale shock shakes surrounding 20,000 square miles

Because the risk of a major quake in New York is lower than in other states, you can usually get the extra insurance you need at a very reasonable rate. A member agent can help you find earthquake coverage for your area that fits your budget.

How to Find Coverage For Earthquakes

Many people think that homeowners insurance protects them against the financial effects of disasters like earthquakes, but this isn’t the case. The majority of standard policies will specifically exclude certain natural disasters, such as floods, hurricanes, and earthquakes.

Your vehicles, like trucks, cars, and boats, also need coverage for earthquakes. If you carry comprehensive, or "other than collision" insurance on your vehicles, you may have enough protection to keep you from paying a tremendous amount out of pocket when an earthquake strikes. Ask your agent about the best way to protect your valuable vehicles from quakes.

If you own commercial property, check to see if earthquakes are excluded from your commercial property insurance. If so, you may need to purchase a rider or endorsement to gain coverage for this natural disaster. If you do not own your business property but instead run your business out of your home or a rented facility, check with your agent about the best way to cover your equipment.

A member agent can provide facts about earthquake insurance, the likelihood of getting coverage, and the companies that offer this special coverage. A local agent can also look over your current homeowners or business policy, and discuss any extra liability insurance and property coverage you may need.

New York Earthquake Insurance Provides the Protection You Need

The damage that even a minor quake can inflict is quite serious, especially on older homes and buildings. A tremor can cause cracked plaster and masonry, and can damage roofs, foundations, and structural supports. While quakes are relatively rare in NY State, if there were to be significant tremor and you suffered damage or loss, it is very likely you would have to bear the cost yourself.

By adding earthquake insurance to your homeowners or business policy, you could be covered for the cost of:

  • Damage to the foundation
  • Damage to walls and fixtures
  • Damage to personal property

Often earthquake coverage carries a high deductible, but the financial protection it provides in the case of a minor or major quake can pay off in the end. An independent agent can show you a variety of policies, so you can choose the one that fits your home and budget best.


Save on Earthquake Insurance

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

Find Your New York Earthquake Insurance

New York is an area at moderate risk for earthquakes and seismic activity. No one can be sure when the next big quake will occur, but with New York earthquake insurance, you can protect your investments before a quake hits.

An independent agent in the Trusted Choice network works with several insurance companies to find the right coverage for you. A local agent can look over your risks and needs to find other forms of coverage you may need, such as auto insurance, umbrella insurance, or business insurance. Find a local agent in the Trusted Choice network today to get New York earthquake insurance quotes hand-picked for your home or business.

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