Earthquake Insurance Premiums by State

An East Coast earthquake? Suffering damage from a seismic shift isn’t a risk many homeowners outside of California worry about.

Most standard homeowners, renters and business insurance policies do not cover damage from earthquakes — specifically, the potential losses from the shaking and cracking that can destroy a building and other property.

Nationwide, earthquake premiums written total $2,468,141,000 according to 2009 figures. Here’s a look at the extent to which individuals and businesses have purchased additional earthquake insurance protection. The figures include insurance written by state funds.

Rank State Direct premiums written in 2009 (thousands)

Source: SNL Financial LC, Insurance Information Institute