Washington Earthquake Insurance

Mike Kreidler, Washington Insurance Commissioner

FACT SHEET: Earthquake insurance When the Puget Sound area experienced a significant earthquake in early 2001, many homeowners and tenants learned a painful lesson – standard homeowner and tenant insurance policies do not cover losses that result from earth movement. You can, however, obtain insurance protection through the purchase of an earthquake endorsement to your standard homeowner policy. Although an earthquake is the first thing that comes to mind when someone mentions earth movement, this very broad category also includes landslide, mudslide, mudflow, sinkhole or any other movement that involves the sinking, rising or shifting of earth."

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