- tony.holliday@goosehead.com
- (719) 960-4898
- 102 S. Tejon St Suite 1128, Colorado Springs, CO 80903
Most people don’t think about earthquakes until one happens. The problem is simple: if an earthquake damages your home, a standard home policy may not cover it unless you add earthquake coverage.
Earthquake insurance helps protect your home and finances from quake-related losses. It’s usually added as extra coverage or written as a separate policy.
At Tony Holliday Insurance, we help people in Colorado Springs understand earthquake coverage and decide if it’s worth adding.
If you’re reviewing all home coverage options, start with Home Insurance in Colorado Springs.
Earthquake insurance helps cover damage caused by an earthquake, such as structural cracking or shifting. It is commonly not included in standard homeowners’ insurance unless you add it.
Earthquake damage isn’t always a total collapse. Many claims start with damage that spreads fast, like:
Even smaller quakes can lead to expensive repairs.
Earthquake coverage can make sense for different property types.
If you own a home, quake damage can be costly. Earthquake coverage may help protect the structure and reduce major out-of-pocket repair costs. If you're insuring the home you live in, Homeowners Insurance .
You may need coverage for the inside of your unit and your belongings. Your HOA master policy may not cover interior repairs tied to quake damage. If you own a condo, Condo Insurance .
If you own a rental property, quake damage can mean repairs, vacancy, and lost income. If you rent out a home to others, Landlord / Rental Property Insurance .
Renters don't insure the building, but you may still want coverage for belongings and liability. If you rent, Renters Insurance .
Coverage varies by policy, but earthquake insurance often focuses on:
This can help pay for repairs to the home's structure after quake damage, based on coverage limits and deductibles.
Some options include coverage for damaged belongings, depending on how the policy is set up.
Depending on your policy, you can add coverage for certain related costs. We'll explain what your option includes and what it leaves out before you decide.
Earthquake coverage has limits and rules. Many policies may not cover:
If you want protection for flood losses, that’s usually handled under Flood Insurance.
We keep this simple and clear so you don’t get surprised later.
Earthquake coverage is often priced based on risk factors like:
A bigger deductible can lower the premium, but it also means higher out-of-pocket costs if you file a claim.
Most people decide based on two things:
If a major repair would be a financial hit, earthquake coverage may be worth considering.
Insurance isn't only math. It's also peace of mind. If you're not sure, we can review your current policy and show earthquake options side by side. If you also want stronger liability protection across multiple situations, you may want Personal Umbrella Insurance .
To start a quote, we usually need:
We confirm the property and the basic rating details.
We show options that balance price and protection.
You choose what makes sense. We help you set it up correctly.
We help renters in nearby communities, including:
If you want to understand earthquake coverage without the confusion, start here. We'll give you clear options and help you decide if adding earthquake coverage is worth it for your home.
In many cases, earthquake coverage is not included unless you add it. We can review your current policy and explain your options. If you're insuring a house you live in, see Homeowners Insurance .
Many condo owners insure the interior of their units and their belongings. Your HOA policy may not cover interior repairs from quake damage. See Condo Insurance.
Yes. Landlords can often add earthquake coverage for rental properties. We'll help you price options that fit your risk and budget. See Landlord / Rental Property Insurance.
Flooding is usually handled under flood coverage, not earthquake coverage. If you want stronger protection, see Flood Insurance.
Often, the same day, once we have the property address and a few basic details. You can start here: Get a Free Quote.
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