 TITLE: How Much Does Homeowners Insurance Cost? CONTENT: How Much Does Earthquake Insurance Cost?\n----------------------------------------\nWhile earthquake coverage isn't included in standard homeowners insurance policies, most policies do cover losses related to fires that happen after an earthquake. To be covered for damage directly related to an earthquake, you'll have to purchase additional coverage. These types of policies typically cover home repairs, the replacement of personal belongings and interim living expenses following a quake.\nHow much you'll pay for earthquake insurance depends on your area's risk level, along with your home's structure and age. Premiums also tend to be comparatively higher for brick buildings as opposed to wood structures. Not surprisingly, earthquake insurance costs more if you live along the West Coast, where earthquakes are more common. Earthquake insurance premiums in California can range from hundreds of dollars a year in less quake-prone areas to thousands of dollars annually if you live near a fault line.\nDeductibles for earthquake insurance also skew higher and typically range from 5% to 15% of the policy limit, according to the Insurance Information Institute. END