Pennsylvania 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.


Pennsylvania has a long history of earthquakes, ever since the first recorded quake in 1737. The 1950s and 1960s brought a steady string of quakes to PA and surrounding areas. Because there has been a lull in local seismic activity since 1973, many residents forget that earthquakes are a probability in the Quaker State. But Pennsylvania is full of historic buildings that are more vulnerable to damage from a quake than their modern, earthquake-ready counterparts. If you wish to protect yourself from the costs of earthquake damage to your home or business, you can add Pennsylvania earthquake insurance to your existing policy, or purchase it separately.

Many insurance carriers offer earthquake coverage, but you may not hear about it on television or see it on the front pages of company websites. An independent agent in the Trusted Choice® network can show you details and help you find an earthquake policy that suits your risks and budget. Contact a local agent today, to compare Pennsylvania earthquake insurance quotes and find the policy that’s right for you.


Save on Earthquake Insurance

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

U.S. Earthquake Facts

  • Earthquakes affect 4,701,156 U.S. citizens each year.
  • Americans pay an average of $12,106,198,000 per year for quake damage.
  • Over 500,000 earthquakes are detected all over the world, annually.

The vast majority of detectable earthquakes are very small in scale. However, older homes and buildings are easily damaged by even a small quake. The eastern areas of PA tend to experience small to medium force tremors, so if you own a home that is more than twenty years old, it would be a good idea to ask a local agent about earthquake insurance in your area. 

What Does Pennsylvania Earthquake Insurance Cover?

Most homeowners insurance policies do not cover damage from a seismic event. The good news is you can purchase earthquake insurance separately, or add it to your existing coverage, and can be certain that your home and most important belongings are covered. Pennsylvania earthquake insurance policies vary in the type and amount of coverage. The most comprehensive earthquake insurance policy would cover:

  • Damage to the foundation, basement, and structure of the home
  • Damage to the interior of the home
  • Property damage, such as fallen electronics, shelves, china, collectibles, glassware, etc.

The amount and type of coverage you choose depends on your unique needs and budget, and the types of coverage available in your area. An independent agent can show you many policy options, and help you choose one that protects the things you value most.

How Much Does Pennsylvania Earthquake Insurance Cost?

There are many factors that affect the cost of earthquake coverage, including:

  • The earthquake history and risks in your area
  • The age of your home, since homes built before the start of earthquake safety codes are at higher risk of damage, even from small quakes
  • The construction of your home, as wood is more resilient than brick
  • The amount of your deductible
  • The level of coverage: comprehensive, or structural damage only
  • The value of your covered property

Earthquake insurance policies tend to carry high deductibles, but the coverage they provide can save you the cost of rebuilding after a serious quake. A member agent can talk with you about how much earthquake coverage is affordable and advisable for your unique situation.


Save on Earthquake Insurance

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

How Can I Find Pennsylvania Earthquake Insurance?

Many insurance carriers offer earthquake coverage as an add-on or as a separate policy. There are many coverage levels and options to choose from, and a local independent agent can quickly gather several policies to compare, tailored to your needs. These agents work with multiple insurance companies to help you find the right coverage for you.

An agent in the Trusted Choice network can also combine earthquake coverage with other types of insurance you may need, such as business insurance, auto insurance, and umbrella policies. You may be able to bundle your coverage into one convenient bill, and get discounts on the coverage you want. Contact an independent agent today to get Pennsylvania earthquake insurance quotes that fit your lifestyle and budget.

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