Earthquake Insurance Cost Calculator
Last updated: July 2026
Estimate earthquake insurance premium and deductible exposure from dwelling coverage, rates, contents coverage and mitigation discounts.
Estimated monthly earthquake insurance premium
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- Estimated annual premium: —
- Estimated dwelling deductible: —
- Premium before discount: —
- Estimated mitigation discount: —
On this page
Quick summary: Estimate earthquake insurance premium and deductible exposure from dwelling coverage, rates, contents coverage and mitigation discounts. Enter the requested values, calculate, review the result, and compare more than one realistic scenario before making a decision.
Read the complete guide
What this calculator estimates
Estimate earthquake insurance premium and deductible exposure from dwelling coverage, rates, contents coverage and mitigation discounts. It is designed for fast planning and comparison in the United States. The output is an estimate, not a binding quote, approval, tax determination, insurance offer or professional recommendation.
How to use it
Enter the requested values using a single consistent time period and currency. Select Calculate, review the headline result and supporting figures, then change one assumption at a time to compare another scenario.
How the calculation works
The premium estimate applies separate rates to dwelling and contents coverage, adds fees and subtracts a mitigation discount. Deductible exposure is dwelling coverage multiplied by the entered percentage.
Important limitations
Actual availability, deductibles, retrofit credits, soil, construction and seismic territory vary widely. Use a licensed insurer for a binding quote.
Frequently asked questions
Is the result exact?
No. It is a planning estimate based on the assumptions entered.
Can I compare different scenarios?
Yes. Change one input at a time so you can see which assumption changes the result.
Does the calculator store my inputs?
The calculation runs in the browser and does not require an account. Avoid entering unnecessary confidential information.