Earthquake Insurance in Hawaii
Did you know that almost the entire United States is prone to earthquakes? In fact, in Hawaii, we’ve suffered from devastating earthquakes because of our volcanic islands. When the magma pushes its way up to the surface it can cause earthquakes in the surrounding earth. Cover yourself with an Earthquake Insurance policy from Carr’s Insurance!
Earthquake insurance is a form of property insurance that pays the policyholder in the event of an earthquake that causes damage to the property. The typical homeowner’s insurance policy does not cover earthquake loss.
Most earthquake insurance policies feature a high deductible, such as 15%+ of the value of the total insured value of the home, which makes this type of insurance useful if the entire home is destroyed, but not useful if the home is merely damaged. Rates for earthquake insurance vary greatly based on earthquake maps. Rates can also vary greatly depending on what your home is made out of. Wood homes withstand earthquakes better than homes made of brick.
To learn more about what earthquake insurance covers, and what isn’t covered, please call our offices today at 808-836-CARR or 808-836-2277
Looking for flood insurance in hawaii? We sell that too!
Frequently Asked Questions about Earthquake Insurance
Is earthquake insurance included in my homeowners’ insurance?
No, earthquake insurance is not included in your traditional home insurance policy. You will need a separate earthquake insurance policy to have coverage for damages caused by an earthquake.
Is earthquake insurance worth the cost?
Earthquake insurance can be expensive, so only you can decide whether the insurance is worth it. Like with any insurance, you’re offsetting your risk by purchasing the coverage.
Why are earthquake deductibles so high?
Earthquake deductibles can be low in some states, but higher in others. This is due to the likelihood that an earthquake will occur. In states where earthquakes are common such as California, Oregon, Washington, and Alaska, you’ll typically only find higher deductible plans.
GET A QUOTE
Carr’s Insurance Agency represents the top-rated insurance companies in both Hawaii & Washington. We will compare pricing and coverage options finding you the best policy for your needs. Call us at: (808) 836-2277 or click the button below to send us a message for your quote.
Hawaii Office
Wahiawa, HI 96786
Washington Office
Stanwood, WA 98292-8019
About Us
Carr’s Insurance Agency opened its doors in Hawaii in 1990 and is happily serving Oahu, Maui, Hawaii, Kauai and Molokai and recently opened an office in Washington State. We believe we have thrived in our home of Hawaii because of the respect and aloha we provide to our customers. Carr’s Insurance Agency will go the extra distance to make sure you get the service you deserve We offer All lines of Insurance. Carr’s Insurance Agency is available online 24/7. Feel free to stop into our office or call us anytime. If you are interested in an insurance quote, and would like a licensed agent to contact you, please click here or call 808-836-2277 (CARR)