Earthquake Insurance Cost Calculator
Last updated: October 15, 2026
Estimate earthquake insurance premium and deductible exposure from dwelling coverage, rates, contents coverage and mitigation discounts.
Starting figures illustrate this model. Enter your own measurements, quoted costs and applicable terms; this page does not retrieve live prices or provider rates.
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.
Read the complete guide
Updated reference sections in this guide are in English.
What this calculator estimates
Estimate earthquake insurance premium and deductible exposure from dwelling coverage, rates, contents coverage and mitigation discounts.
How to use it
Enter Dwelling coverage ($); Annual rate per $1,000 dwelling coverage ($); Contents coverage ($); Annual rate per $1,000 contents coverage ($); Dwelling deductible (%); Seismic mitigation discount (%); Annual policy fees ($). Select Calculate to update the results.
How the calculation works
The premium estimate applies separate rates to dwelling and contents coverage, adds fees and subtracts a mitigation discount. Deductible exposure is dwelling coverage multiplied by the entered percentage.
Worked example: starting scenario
| Dwelling coverage ($) | 500000 |
|---|---|
| Annual rate per $1,000 dwelling coverage ($) | 3.5 |
| Contents coverage ($) | 100000 |
| Annual rate per $1,000 contents coverage ($) | 1.8 |
| Dwelling deductible (%) | 15 |
| Seismic mitigation discount (%) | 8 |
| Annual policy fees ($) | 60 |
| Estimated monthly earthquake insurance premium | $152.57 |
|---|---|
| Estimated annual premium | $1,830.80 |
| Estimated dwelling deductible | $75,000.00 |
| Premium before discount | $1,990.00 |
| Estimated mitigation discount | $159.20 |
Important limitations
Actual availability, deductibles, retrofit credits, soil, construction and seismic territory vary widely. Use a licensed insurer for a binding quote.