 TITLE: A Homeowner’s Guide to Earthquake Insurance CONTENT: How Much Does Earthquake Insurance Cost?\n----------------------------------------\nIn most states, you will pay between $100 and $300 annually for coverage. That's unless you live in Alaska, California, Oregon or Washington, where annual premiums can jump to $800 or higher.\nUltimately, the amount you will pay is determined by these factors:\n*   **Location of your home**: Is your home located in a high-risk area? If you live along the West Coast or are close to a fault line, you will likely pay more for coverage as the area is susceptible to earthquakes.\n*   **Age of your home**: Premiums for older homes could cost you more. They tend to lack the improvements and building standards that help to minimize earthquake damage. Recently renovated homes may qualify for lower premiums, as long as renovation included earthquake retrofits and not just superficial upgrades.\n*   **Construction of your home**: Is your home a wood structure or brick building? You can expect to pay more if it's the latter since wood homes tend to be able to withstand shocks from earthquakes much better than those constructed from brick.\nKeep in mind that policies with lower deductibles carry steeper premiums. Deductibles can range from 2% to 20% of your home's replacement value. END