Coverage for Structural Damage
Covers major damage to your home’s structure, including walls, roof, and foundation, helping you manage expensive repairs after unexpected ground movement or sudden seismic events.
Best & Cheapest Earthquake Insurance in
Texas — Starting from$25/Month
Homeowners
Renters
Condo
Commercial
Induced Seismicity
Other
What is Earthquake Insurance and Why Do You Need It?
Earthquake insurance is a type of protection designed to cover damage caused by ground movement, which is not typically included in standard home insurance policies. When an earthquake strikes, the cost of repairing structural damage or replacing damaged belongings can be overwhelming. This coverage helps reduce that financial burden by offering support when it matters most.
Even in areas where earthquakes are not frequent, the risk still exists, and the impact can be severe. Having the right coverage in place means you are not left handling unexpected expenses alone. It provides reassurance that your home, belongings, and stability are protected during uncertain situations.
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Protection for Personal Belongings
Helps replace or repair furniture, electronics, and everyday items damaged during an earthquake, so you can recover faster without worrying about replacing essential belongings out of pocket.
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Additional Living Expenses
Supports temporary housing, food, and basic living costs if your home becomes unsafe to live in, ensuring your daily life continues with less disruption during repairs.
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Not Included in Standard Policies
Explains that regular home insurance policies usually do not include earthquake damage, making separate coverage important for anyone who wants complete and reliable protection.
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Peace of Mind for the Unexpected
Offers confidence and financial security, knowing you are prepared for rare but serious events that could otherwise create long-term stress and costly repairs.
Is Earthquake Insurance Required in Texas?
Earthquake insurance is not required in Texas by law, and most standard landlord or homeowners insurance policies do not include earthquake coverage. While earthquakes are less common in Texas compared to states like California, minor seismic activity has been recorded in certain regions, making it a consideration for some property owners.
Because it’s not mandatory, the decision to purchase earthquake insurance depends on your property’s location, structure, and overall risk tolerance. Areas with increased seismic activity or properties built on certain soil types may face a higher risk of damage, a risk that standard policies typically exclude. If you want protection against earthquake-related losses, you can add a separate earthquake policy or endorsement to your landlord insurance. This coverage can help pay for structural repairs, rebuilding costs, and sometimes loss of rental income, giving you added financial security and peace of mind.
Does My Homeowners Insurance Cover Earthquake Damage?
In most cases, standard homeowners' insurance does not cover damage caused by earthquakes. While it typically protects against risks like fire, theft, or storms, seismic activity is usually excluded. This means if an earthquake damages your home’s structure or belongings, you would likely have to cover those repair and replacement costs on your own.
To be protected, you usually need to purchase a separate earthquake insurance policy or add it as an endorsement, depending on what options are available. This extra coverage helps fill the gap left by standard policies, ensuring your home and finances are better protected if unexpected ground movement occurs.
What Does Earthquake Insurance Cover in Texas?
Earthquake insurance typically covers damage to your home’s structure, including the foundation, walls, ceilings, and roof, caused by sudden ground movement. It can also help repair or replace personal belongings such as furniture, appliances, and electronics. Many policies include coverage for additional living expenses, helping pay for temporary housing if your home becomes unsafe after an earthquake.
Dwelling Coverage (The Structure of Your Home)
Covers the main structure of your home, including the roof, walls, and built-in systems. If an earthquake causes damage, this coverage helps pay for repairs or rebuilding, so your home can be restored safely without full out-of-pocket costs.
Foundation Damage
Protects against cracks, shifting, or weakening of your home’s foundation caused by seismic movement. Since foundation issues can affect the entire structure, this coverage helps cover the expensive repairs needed to stabilize and secure your home.
Chimney and Fireplace Damage
Helps cover repair or rebuilding costs if your chimney or fireplace cracks, tilts, or collapses during an earthquake. These structures are highly vulnerable, making this coverage important for both safety and the restoration of proper function.
Walls, Ceilings, and Floors
Provides coverage for damage to interior and exterior surfaces, including cracks, separation, or collapse. Earthquake vibrations can weaken these areas, and this protection helps restore your home’s structure and livability after damage occurs.
Attached Structures (Garages, Carports)
Covers structures connected to your home, such as garages and carports, if damaged by seismic activity. This ensures that repairs or rebuilding costs are included, helping to maintain the full functionality and value of your property.
Other Structures (Fences, Sheds, Driveways)
Extends coverage to detached structures like fences, sheds, and driveways. Earthquakes can cause cracks or collapse, and this protection helps cover repair costs so your entire property, not just your home, is restored properly.
Personal Property / Contents Coverage
Helps repair or replace personal belongings damaged during an earthquake. This includes everyday household items, reducing the financial burden of replacing essential possessions after unexpected structural or interior damage.
Clothing and Furniture
Covers damage to clothing and furniture, beds, sofas, and other furniture affected by earthquake movement. If items are broken or destroyed, this coverage helps you replace them quickly so your daily routine can return to normal.
Electronics and Appliances
Protects electronics and appliances such as TVs, laptops, refrigerators, and kitchen appliances. Earthquake shaking can cause internal damage or breakage, and this coverage helps cover repair or replacement costs for essential home equipment.
Valuable Items (Up to Policy Limits)
Provides limited protection for valuable goods like jewelry, collectibles, and artwork. While coverage is capped, it still offers financial support if these items are damaged or lost due to earthquake-related incidents.
Loss of Use / Additional Living Expenses
Helps cover extra costs and additional living expenses if your home becomes unlivable after an earthquake. This includes temporary housing, food, and daily living expenses, allowing you to maintain stability while your home is repaired or rebuilt.
Temporary Housing and Hotel Costs
Temporary housing pays for hotel stays or short-term rentals if your home is unsafe to live in. This ensures you and your family have a secure place to stay without worrying about immediate accommodation expenses after damage occurs.
Building Code Upgrade Coverage (Ordinance or Law)
Covers all additional costs required to bring your home up to current building codes during earthquake repairs. If regulations have changed, this coverage ensures necessary upgrades are completed beyond standard structural restoration work.
Emergency Repairs Coverage
Helps pay for urgent repairs immediately after an earthquake to prevent further damage. This can include temporary stabilization, boarding up damaged areas, and quick fixes while waiting for complete restoration to safely repair your home.
Debris Removal Coverage
Covers the cost of removing all debris caused by earthquake damage, including broken structures, materials, and rubble. Cleanup is necessary before any repair work can begin, and this coverage ensures these expenses are handled.
Masonry and Brick Veneer Damage
Provides protection for damage to exterior brickwork, stone, or veneer caused by earthquake activity. Cracks or collapses can be expensive to repair, and this coverage ensures proper rebuilding and stabilization of your home’s exterior surfaces.
Swimming Pool and Spa Damage
Covers damage to swimming pools, spas, or hot tubs caused by earthquakes, including structural cracks, leaks, or foundation shifts. This coverage helps manage the high cost of repairs so features can be safely restored without extra financial burden.
Retaining Wall Damage
Helps cover repair costs for retaining walls that support soil, landscaping, or property features. Earthquakes can weaken or collapse these structures, and this coverage ensures walls are rebuilt or stabilized to prevent further property damage.
Land Stabilization Coverage
Provides coverage for stabilizing land affected by seismic shifts, including work to prevent further movement, erosion, or soil sinking. This ensures your home’s foundation and surrounding property remain secure after an earthquake event.
What Does Earthquake Insurance NOT Cover in Texas?
Earthquake insurance in Texas typically does not cover damage caused by flooding, landslides, or mudslides that may accompany seismic activity. It also usually excludes normal wear and tear, maintenance issues, and damage from mold, pests, and gradual structural problems unrelated to sudden earthquakes. Homeowners should review their policy carefully to understand what is excluded.
Flood Damage Caused by Earthquake (Tsunami, Overflow)
Earthquake insurance generally does not cover flooding, tsunamis, or water overflow caused by seismic activity. Any damage from rising water, river overflow, or coastal surges will usually require separate flood coverage to repair or replace.
Fire Damage Following an Earthquake (Separate Homeowners Claim)
Damage from fire that occurs after an earthquake is typically not covered under earthquake insurance. Homeowners may need to file a separate claim under their standard homeowners policy to address fire-related losses or rebuilding costs.
Vehicles and Other Self-Propelled Vehicles
Earthquake policies usually do not cover cars, motorcycles, RVs, or other self-propelled vehicles. Damage to vehicles during seismic events requires separate auto insurance, as earthquake insurance focuses on buildings and personal property.
Landscaping, Trees, Plants, and Shrubs
Damage to outdoor landscaping, including trees, shrubs, plants, and flower beds, is generally excluded. Earthquake insurance focuses on structures and personal property inside the home, so replacing damaged landscaping requires additional coverage.
Wear and Tear / General Maintenance
Normal wear and tear or general maintenance issues, even if worsened by seismic activity, are not covered. Earthquake insurance only protects against sudden and accidental damage caused directly by an earthquake, not gradual deterioration or neglect.
Pre-Existing Structural Damage
Damage that existed before the earthquake is not covered. Policies typically require the property to be in good condition at the time of purchase, so repairs are needed for prior cracks, foundation issues, or structural weaknesses.
Mold and Mildew Following Earthquake Damage
Mold, mildew, or fungal growth resulting from earthquake damage is generally not included. While structural repairs may be covered, secondary issues like mold cleanup require separate coverage or must be addressed by the homeowner independently.
Business Interruption Losses (Residential Policies)
Earthquake insurance for homes does not typically cover losses related to running a business from home. Any income lost due to property damage or operational downtime will not be reimbursed unless a separate commercial policy is purchased.
Currency, Precious Metals, and Valuable Papers
Cash, coins, bullion, important documents, or collectibles like stocks and bonds are often excluded. Earthquake insurance covers physical property and belongings inside the home, so these items may need separate protection or safekeeping.
Swimming Pools and Hot Tubs (in most cases)
Most earthquake insurance policies do not cover damage to pools, hot tubs, or spas. Structural cracks, leaks, or shifting caused by earthquakes are usually excluded unless specifically added to the policy through an endorsement or separate coverage.
Fences, Retaining Walls, and Seawalls (in most cases)
Damage to fences, retaining walls, or seawalls is commonly not covered under standard earthquake policies. Unless added as an endorsement, homeowners must pay out of pocket for repairs to these outdoor structures affected by seismic activity.
Damage Below the Deductible (Typically 10–25% of Dwelling Value)
Any damage that falls below the policy’s earthquake deductible is not reimbursed. Deductibles typically range from 10–25% of the dwelling’s value, meaning minor cracks or small-scale damage will not trigger a payout under most policies.
Gradual Ground Settlement and Soil Erosion
Slow-moving land shifts, soil erosion, or ground settling over time are generally excluded. Earthquake insurance is designed to cover sudden, accidental damage caused by seismic activity, not environmental changes that occur over time.
Sinkholes (Unless Added as Endorsement)
Sinkhole formation is usually not covered unless specifically added through an endorsement. If your home is damaged by a natural sinkhole, repairs or stabilization work will not be included under standard earthquake coverage.
Government Seizure or Demolition
Earthquake insurance does not cover losses resulting from government seizure or demolition, including property seizure, condemnation, or demolition. Any damage or loss due to a legal or regulatory authority must be addressed outside the policy.
Nuclear Hazard or War
Damage caused by nuclear hazards, war, or acts of terrorism is not covered. Earthquake insurance only addresses natural seismic events, so any man-made disasters or radioactive contamination require separate specialized coverage.
Intentional Damage
Deliberate or intentional damage acts that cause extreme property damage are excluded from earthquake insurance. Coverage is only for accidental and sudden damage caused by natural seismic events, not harm caused by human actions.
Losses Occurring Before the Waiting Period Ends
Most earthquake insurance policies include a waiting period before coverage becomes active. Any damage or loss occurring during this initial period is excluded from coverage, meaning claims for incidents before the policy takes effect are excluded.
Damage from Induced Seismicity (in some policies)
Earthquake damage caused by human activities, such as fracking or other industrial actions, is often excluded. Policies generally cover only natural seismic events, so damage from induced seismicity may require additional or specialized insurance.
Detached Structures (Unless Specifically Added)
Detached structures, including guest houses, garages, sheds, or barns, are usually not covered unless specifically added via endorsement. Earthquake insurance primarily protects the primary home and its contents, excluding other buildings.
How Much Does Earthquake Insurance Cost in Texas?
Earthquake insurance in Texas is typically more affordable than in high‑risk states. According to TexasInsurance.org, premiums can range from about $500 to $800 per year for a residential property, depending on coverage limits, deductible levels, and risk factors such as location and building age. This means many Texas homeowners pay several hundred dollars annually for earthquake protection, though exact rates vary by insurer and specific home details.
When compared with other states, Texas generally has lower earthquake insurance costs because it’s considered a lower‑risk area for seismic activity. States with frequent and stronger earthquakes, such as California or Alaska, often see average annual premiums of $800 to $2,000 or more, reflecting higher expected losses from quakes. This regional difference highlights how earthquake risk influences insurance pricing across the U.S., making Texas comparatively less expensive to insure against seismic damage.
How Much Earthquake Insurance Do You Actually Need?
When deciding how much earthquake insurance you need, experts recommend that your dwelling coverage should at least match the amount it would cost to fully rebuild your home if it were completely destroyed by a quake. For instance, if your homeowners' policy has $500,000 in dwelling coverage, then your earthquake coverage should be at least $500,000 or more, because you can’t choose a lower limit and still be fully protected. This ensures you have enough funds to rebuild your house to a similar standard, without being underinsured when disaster strikes.
In addition to dwelling coverage, it’s important to consider personal property limits and additional living expenses so you’re covered for belongings and temporary housing if your home becomes uninhabitable. Many insurers allow you to raise these limits based on your needs, and having enough coverage for both rebuilding costs and living expenses can make recovery smoother and less financially stressful after an earthquake.
Factors That Impact Your Earthquake Insurance Rates in Texas
Several factors influence earthquake insurance rates in Texas. Key elements include your home's location, construction type, age, and foundation design. The value of your dwelling and personal property, chosen coverage limits, deductible amount, and proximity to fault lines also affect premiums. Insurance companies assess these risks carefully to determine your annual cost.
Location of Your Property :Your home’s location directly impacts earthquake insurance premiums based on local seismic risk.
Proximity to Fault Lines :Being near an active fault line increases earthquake risk, raising insurance premiums for your property coverage.
Proximity to Oil and Gas Operations :Homes near fracking or drilling sites face a higher risk of induced earthquakes, which can increase insurance costs.
Induced Seismicity Risk in Your Area :Human-caused seismic activity, like drilling or fracking, affects your home’s earthquake insurance rate significantly.
Seismic Zone Designation of Your Area :Homes in higher seismic zones face a greater risk of damage from earthquakes, making insurance rates higher than in lower-risk zones.
Age and Condition of Your Home :Older or poorly maintained homes are more vulnerable to earthquake damage, which can raise coverage premiums.
Type of Construction (Wood Frame vs. Brick vs. Concrete) :Brick- or concrete-type homes often cost more to insure against earthquakes than wood-framed structures.
Foundation Type (Slab, Crawlspace, Basement, Pier and Beam) :Different foundation types react differently during quakes, affecting insurance costs for your home coverage.
Number of Stories in Your Home :Multi-story homes may experience more structural stress in earthquakes, increasing your insurance rates.
Soil Type Under Your Property :Soft or unstable soil beneath your property can amplify earthquake damage, leading insurers to charge higher premiums.
Roof Type and Condition :Roof materials and condition affect vulnerability during a quake and influence your insurance premium.
Chimney and Fireplace Presence :Chimneys or fireplaces can easily be damaged in quakes, which may increase your earthquake insurance cost.
Coverage Amount You Choose :Higher dwelling coverage limits raise premiums, while lower limits reduce costs but may underinsure your home.
Your Deductible Amount (Typically 10–25% of Dwelling Value) :Selecting a higher deductible lowers premiums, but increases out-of-pocket costs if earthquake damage occurs.
Personal Property Coverage Amount :The value of personal belongings insured affects premiums; higher coverage limits increase policy costs.
Loss of Use Coverage Amount :Coverage for temporary housing increases premiums based on the dollar amount chosen for this protection.
Your Claims History :Frequent past claims signal a higher risk to insurers, potentially raising your earthquake insurance premium.
Your Credit Score :Higher credit scores may help lower earthquake insurance premiums, while lower scores can raise rates.
Age and Condition of Your Plumbing and Electrical Systems :Older plumbing or electrical systems increase the risk of damage, which can raise earthquake insurance costs.
Whether Your Home Has Been Seismically Retrofitted :Seismic retrofitting strengthens your home and can lower insurance premiums by reducing earthquake risk.
Whether Your Home is Bolted to Its Foundation :Homes securely bolted to foundations are more stable and can result in lower earthquake insurance premiums.
Whether Utilities Are Strapped and Secured :Properly secured utility items reduce the risk of damage during quakes, helping lower insurance costs.
Whether Your Property is a Primary or Secondary Residence :Secondary homes or vacation properties typically incur higher insurance premiums than primary residences.
Bundling With Other Policies (Auto, Home, Flood, etc.) :Combining earthquake insurance with other policies may qualify you for discounts, reducing your total premium.
Insurance Carrier You Choose :Different insurers assess earthquake risk differently, resulting in significant premium variations among carriers.
How to Maximize Your Discounts and Lower Your Premium
Earthquake insurance can be expensive, but there are many strategies to reduce your premium while maintaining strong coverage. Understanding the factors that influence your rates and actively managing significant savings. Insurers consider home characteristics, risk mitigation measures, and policy when calculating premiums. By taking proactive steps, homeowners can make coverage more affordable.
Seismic Retrofit Discount
Homes that undergo comprehensive seismic retrofitting qualify for premium reductions due to reduced damage risk.
Foundation Bolting Discount
Bolting your home securely to its foundation strengthens stability and helps lower earthquake insurance premiums.
Cripple Wall Bracing Discount
Properly braced cripple walls improve earthquake resilience, which can effectively reduce your insurance costs.
Soft-Story Retrofitting Discount
Soft-story retrofitting reduces the risk of collapse during earthquakes, allowing insurers to offer lower premiums.
Secured Water Heater and Utilities Discount
Strapping water heaters and securing utilities reduces the risk of quake damage and qualifies for insurance discounts.
Automatic Gas Shut-Off Valve Discount
Installing automatic gas shut-off valves reduces fire risk after quakes, potentially lowering insurance costs.
Reinforced Chimney and Fireplace Discount
Reinforcing chimneys and fireplaces reduces the risk of quake damage and can qualify your home for a discount.
Wood Frame Construction Discount
Wood-framed homes flex more during earthquakes, lowering damage risk and qualifying for reduced premiums.
New Home Construction Discount
Newly constructed homes built to modern standards are safer and often cost less to insure against earthquakes.
Home Inspection Discount
Completing a professional home inspection to identify and address risks can qualify your policy for a discount.
Higher Deductible Discount
Choosing a higher deductible lowers annual premiums but increases your out-of-pocket cost after an earthquake.
Multi-Policy / Bundling Discount
Bundling earthquake coverage with other policies, like auto or home, can provide substantial premium savings.
Claims-Free Discount
Maintaining a claims-free history signals lower risk to insurers, helping you earn reduced earthquake premiums.
Loyalty Discount
Long-term customers with consistent coverage often receive loyalty discounts on earthquake insurance policies.
New Roof Discount
Installing a new roof that meets seismic standards reduces the risk of damage and lowers insurance premiums.
Updated Plumbing and Electrical Discount
Modern plumbing and electrical systems reduce the risk of earthquake damage and may qualify for insurance discounts.
Single-Story Home Discount
Single-story homes are less prone to structural damage during earthquakes, which can result in lower insurance costs.
Good Credit Discount
Maintaining a strong credit score indicates financial responsibility and can help lower earthquake insurance rates.
Paperless Billing Discount
Choosing paperless billing reduces administrative costs for insurers, which can result in a small premium discount.
Auto-Pay Discount
Setting up automatic payments ensures timely premium collection and may earn you a discount on your policy.
Pay-in-Full Discount
Paying your entire premium upfront, rather than in installments, often qualifies you for a reduction in overall costs.
Primary Residence Discount
Designating your home as your primary residence can lower earthquake insurance premiums compared to those for secondary homes.
Early Renewal Discount
Renewing your earthquake insurance policy before it expires can often earn you an early renewal discount.
Non-Masonry Construction Discount
Homes built with non-masonry materials are more flexible in earthquakes, which can reduce insurance premiums.
Earthquake Preparedness Kit Discount
Maintaining an emergency earthquake preparedness kit demonstrates proactive risk reduction to insurers.
Independent Insurance Agency vs. Captive Agent: Why Choice Saves You Money
Choosing between an independent insurance agency and a captive agent can significantly impact your rates. Independent agencies work with multiple carriers, comparing policies to find the best coverage at the lowest price, while captive agents sell products from a single company. By choosing an independent agency, ensure personalized coverage that fits their unique needs and budget.
Feature
Independent Agency (A-State)
Captive Agent
Number of Carriers
Multiple (10+)
One company only
Can Shop for the Best Rate
Yes
No
Standalone vs. Endorsement Policy Options
Both available
Limited to one carrier's options
Induced Seismicity Coverage Options
Multiple carriers to compare
One carrier only
West Texas High-Risk Zone Coverage Options
Multiple carriers to compare
One carrier only
Oil and Gas Operations Risk Knowledge
Deep Texas-specific expertise
Limited
Seismic Retrofit Discount Knowledge
Yes, across carriers
Limited to one carrier's guidelines
Foundation Type Coverage Options
Multiple carriers to compare
One carrier only
Masonry and Brick Home Coverage Options
Multiple carriers to compare
One carrier only
Loss of Use Coverage Options
Multiple carriers to compare
One carrier only
Building Code Upgrade Coverage Options
Multiple carriers to compare
One carrier only
Commercial Earthquake Coverage Options
Multiple carriers to compare
One carrier only
Renters Earthquake Coverage Options
Multiple carriers to compare
One carrier only
Deductible Options (10–25% of Dwelling Value)
Multiple options across carriers
Limited to one carrier's deductible options
Flood and Earthquake Bundle Options
Multiple carriers to compare
One carrier only
Homeowners and Earthquake Bundle Options
Multiple carriers to compare
One carrier only
Bilingual Support
Yes
Varies
Price Competitiveness
Higher — due to carrier competition
Lower — no competition
Loyalty to Client
Always
Loyalty to the company
Switching Carriers Without Switching Agents
Yes
No
Discount Availability
Across multiple carriers
Limited to one carrier's discounts
Claims Advocacy
Advocates for you
Represents the insurance company
Local Texas Earthquake Market Knowledge
Yes
Varies
Policy Customization
High flexibility
Limited
Living Near Oil and Gas Operations? Here's What You Need to Know
Living near oil and gas operations in Texas can impact your earthquake risk and insurance considerations. Activities like fracking, drilling, and wastewater injection can sometimes trigger small seismic events, known as induced seismicity. While these earthquakes are typically less severe than natural quakes, they can still cause structural damage to homes, utilities, and foundations. Understanding your location and potential risks is the first step in securing proper protection.
When obtaining earthquake insurance, insurers may factor in proximity to oil and gas sites when calculating premiums. Some policies may exclude damage caused by human-induced seismicity, while others may require endorsements or additional coverage. Homeowners near these operations should discuss their situation with a licensed broker, like A-State Insurance, to ensure policies fully address both natural and induced earthquake risks, providing peace of mind and financial security.
Hablamos Español / We Speak Your Language
At A-State Insurance, we understand that language should never be a barrier to getting the right coverage. That’s why our team is fully bilingual, offering services in both English and Spanish. We take the time to explain every policy detail clearly, ensuring you understand your options, coverage limits, and potential savings so you can make confident decisions for your home, auto, or business.
Our commitment to speaking your language goes beyond translation. We provide culturally aware guidance that respects the priorities and values of our Hispanic and Latino clients. From initial consultation to claim support, our agents are here to guide you every step of the way, making insurance simple, transparent, and accessible for every member of your family or business.
What Makes A-State Insurance Different
Texas Licensed Brokers
We deliver personalized Texas-licensed insurance solutions with expert guidance, clarity, and trusted support for all.
Hispanic & Latino Friendly
Our Texas-licensed Hispanic and Latino brokers provide professional, reliable, and fully compliant insurance advice.
20+ Years Serving Texans
With over 20 years of experience, we protect Texas families, homes, businesses, and personal well-being.
Custom Coverage Plans
We create coverage plans tailored to your needs, lifestyle, budget, and potential risks.
Online & Local
Get expert advice online or visit our local Texas office to connect with neighbors who understand you.
Multilingual Agents
Our multilingual agents speak English, Spanish, and Hindi, ensuring you fully understand every option.
Get Covered in 4 Simple Steps
Step 1 - Reach Out
Call, email, or visit our local office to start your personalized insurance journey with ease.
Step 2 - Get Advice
Our experts review your needs and provide clear options to help you choose the best coverage.
Step 3 - Pick Your Plan
Select the plan that fits your life, budget, and priorities, with support at every step of the decision-making process.
Step 4 - We’ve Got You
We ensure your coverage is active, protecting what matters most without stress or confusion.
How to Switch Your Earthquake Insurance to A-State Insurance
Step 1: Get Your Free Comparison Quote
Start by requesting a free, no-obligation quote online or by phone. Our licensed brokers compare multiple top carriers, analyzing coverage options and rates to ensure you get the best value. This step helps you understand your choices clearly, empowering you to make an informed decision without pressure.
Step 2: Pick Your Plan and Activate
Once you review your quotes, select the insurance plan that best fits your needs, budget, and lifestyle. Our team walks you through every detail, ensuring coverage limits and deductibles match your requirements. Activating your policy is simple, secure, and fully supported, so you’re protected immediately.
Step 3: Cancel Your Old Policy (We’ll Help!)
After activating your new policy, our team assists with canceling your old insurance. We guide you through the process to avoid coverage gaps, fees, or penalties. This ensures a smooth transition while maintaining continuous coverage, so you can enjoy peace of mind knowing your home, auto, or business is fully insured.
Get a Free Earthquake Insurance Quote in Texas
Protect your home, belongings, and additional structures from earthquake damage in Texas with complete confidence. Request a free, no-obligation quote online, by phone, or at our local office today. Our licensed brokers carefully compare multiple top carriers to find the best rates, coverage options, and discounts tailored to your unique needs. With expert guidance, you can ensure financial protection and absolute confidence that your property and family are secure against any seismic events.
Homeowners
Renters
Condo
Commercial
Induced Seismicity
Other
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