Earthquake Insurance Calculator
Estimate earthquake insurance premiums and deductible amounts based on risk zone, construction type, and coverage level.
Financial Disclaimer
This calculator is for educational purposes only and does not constitute financial advice. Results are estimates based on the inputs provided. Consult a qualified financial advisor before making investment or financial planning decisions.
Inputs
Results
Monthly Premium
$106.17
≈ 7 movie tickets
Deductible Amount
$60,000.00
≈ 5 years of state college
How to Use This Calculator
- Enter the replacement cost of your home.
- Select your state or seismic zone.
- Set the deductible percentage (earthquake policies often use 10–25% of dwelling coverage).
- Review the estimated annual earthquake insurance premium.
- Consider coverage if you are in a high-risk zone (California, Pacific Northwest, New Madrid) even if premiums are high.
How the result changes with Dwelling Value
| Dwelling Value | Monthly Premium | Deductible Amount |
|---|---|---|
| $345,000.00 | $91.57 | $51,750.00 |
| $1,082,500.00 | $287.31 | $162,375.00 |
| $1,967,500.00 | $522.21 | $295,125.00 |
| $2,705,000.00 | $717.95 | $405,750.00 |
What each input means
- Dwelling Value
- Replacement cost of your dwelling.
- Seismic Risk Zone
- 0 = Low risk, 1 = Moderate, 2 = High, 3 = Very high (near fault lines).
- Construction Type
- 0 = Wood frame, 1 = Masonry, 2 = Steel frame, 3 = Unreinforced masonry.
- Deductible Percentage
- Earthquake deductibles are a percentage of dwelling value, typically 5-25%.
- Contents Value (% of Dwelling)
- Value of personal property as a percentage of dwelling value.
How this is calculated
Worked example, using the default values
- Identify Input Parameters4 parametersDwelling Value = 400000, Seismic Risk Zone = 2, Construction Type = 0, Deductible Percentage = 15 = 5 input(s) provided
- Calculate Monthly PremiumMonthly Premium106.17 = $106.17
- Calculate Deductible AmountDeductible Amount60000 = $60,000
- Calculate Annual Premium1274 = $1,274
- Calculate Building Coverage PremiumBuilding Coverage Premium980 = $980
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