--- title: Earthquake Insurance | Bonnie Brae Insurance Agency in Denver, Colorado description: Earthquakes can happen in Colorado. Earthquake insurance can protect your home and your family when catastrophe strikes. Bonnie Brae Insurance can help you determine your earthquake insurance needs. --- # Earthquake Insurance ## from Bonnie Brae Insurance * * * ## Earthquake Insurance According to multiple scientific organizations, including the United States Geological Survey (USGS), [a large portion of our country](https://www.americangeosciences.org/critical-issues/maps/national-seismic-hazard-map) has a probability of earth shaking that could cause damage. It’s not only California that is at risk, as most people mistakenly believe. Earthquakes may occur in the Pacific Northwest, the Rocky Mountain states, the Midwest, and the Northeast. ### Homeowners Insurance & Earthquakes Depending on where you live, your property could be in danger of damage or collapse after a seismic event. Even a moderate earthquake can cause serious consequences, from fallen belongings and cracked foundations, to fires due to broken gas and electrical infrastructure. **Your Home Insurance May Not Cover Earthquake Damage** You should be aware that your homeowner or renter’s policy may not include coverage for earthquakes. Earthquake insurance is generally added as a separate policy or endorsement. Without earthquake coverage, if your property is damaged due to a seismic event or a fire following an earthquake, you would have to pay for repairs or rebuilding out of your own pocket, which can be unaffordable for many homeowners. ### How Earthquake Insurance Works If you rent your residence, you only need earthquake coverage for your personal property in the building, not for the entire structure. The same is true for condo dwellers, as you don’t need to cover the building where you live — just what you own in your unit. If you own the entire property where you live, you’ll want coverage for both the structures and their contents, including furnishings, appliances, and other personal belongings. Often, you can insure multiple structures separately, each with its own deductible. For example, if only your detached garage is damaged in an earthquake, you don't pay the larger deductible associated with your home. You’ll want to ask about what’s covered in your personal earthquake insurance policy, specifically elements like landscaping or swimming pools, which may or may not be included. Foreshocks and aftershocks are considered part of one seismic event and may be covered under one claim. If you’ve gone to the trouble of insuring your property with home or renter’s insurance, you don’t want to risk leaving it vulnerable to earthquakes, especially in high-risk areas. To learn more about earthquake insurance or to start a policy, [contact us](/contact). * * * ## Insurance Quotes Give us some info and we'll help you find the best coverage options. [Request a Quote](/earthquake-insurance/quote) ## Insurance Partners [Liberty Mutual — American Modern — Auto Owners — Chubb — CNA Surety — Philadelphia Insurance — Progressive — The Hartford — Travelers](/insurance-companies) ## Get Your Free Earthquake Insurance Insurance Quote [Start Here](/earthquake-insurance/quote) ## From Our Blog [**How to Prevent Common Fall Fire Hazards Around Your Home** — Cooler temperatures, shorter days, and changing leaves are all signs that fall has arrived. They also bring seasonal activities that can increase the risk of fires around the home. Fireplaces come back into use, space heaters get pulled out of storage, candles are lit more often, and dry leaves…](/blog/2026/how-to-prevent-common-fall-fire-hazards-around-your-home) [**How to Protect Your Home During a Power Outage** — Power outages can happen with little or no warning and may last anywhere from a few minutes to several hours or longer. While most outages are temporary inconveniences, they can also create risks for appliances, electronics, food, plumbing, and other parts of your home. — A little preparation can…](/blog/2026/how-to-protect-your-home-during-a-power-outage) [**How Smart Home Technology Can Help Detect Problems Early** — Smart home technology is often associated with security cameras and smart locks, but many of today's most useful devices are designed to help homeowners identify potential problems before they become major repairs. — From water leaks to temperature fluctuations, smart home tools can provide early…](/blog/2026/how-smart-home-technology-can-help-detect-problems-early) [View all articles](/blog) ```json {"@context":"https://schema.org","@graph":[{"@type":"Service","@id":"https://www.bonniebraeinsurance.com/earthquake-insurance#service","url":"https://www.bonniebraeinsurance.com/earthquake-insurance","name":"Earthquake Insurance","serviceType":"Earthquake Insurance","description":"Earthquake Insurance quotes from multiple insurance companies in Colorado, Colorado, Arizona, California, Texas, and Michigan.","provider":{"@id":"https://www.bonniebraeinsurance.com/#organization"},"areaServed":[{"@type":"State","name":"Colorado"},{"@type":"City","name":"Denver","address":{"@type":"PostalAddress","addressLocality":"Denver","addressRegion":"Colorado"}},"Cherry Creek Colorado","Metro Denver, CO",{"@type":"State","name":"Colorado"},{"@type":"State","name":"Arizona"},{"@type":"State","name":"California"},{"@type":"State","name":"Texas"},{"@type":"State","name":"Michigan"}],"image":{"@type":"ImageObject","@id":"https://www.bonniebraeinsurance.com/earthquake-insurance#image","url":"https://webtricity-assets-1.wbtcdn.com/images/s/r-architecture-khpwe85ge38-unsplash-1170x780.63b98ec502779088d65c8cd7a5e42b0be4cbe02ced6e7dd2f943dee19647fe98.jpg","width":1170,"height":780}},{"@type":"Organization","@id":"https://www.bonniebraeinsurance.com/#organization","url":"https://www.bonniebraeinsurance.com/","name":"Bonnie Brae Insurance"},{"@type":"WebPage","@id":"https://www.bonniebraeinsurance.com/#webpage","url":"https://www.bonniebraeinsurance.com/","name":"Earthquake Insurance | Bonnie Brae Insurance Agency in Denver, Colorado","description":"Earthquakes can happen in Colorado. 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