--- title: Earthquake Insurance | Platinum Risk Solutions Group in Humble, Texas description: Earthquakes can happen in Texas. Earthquake insurance can protect your home and your family when catastrophe strikes. Platinum Risk can help you determine your earthquake insurance needs. --- # Earthquake Insurance ## from Platinum Risk Solutions * * * ## 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](https://clients.prsgtx.com/marketplace/3992) ## Insurance Partners [AIG — Allied Trust — Allstate — Chubb — Cincinnati Insurance — Encompass Insurance — Hagerty — Homeowners of America — Liberty Mutual — One Alliance — Progressive — PURE — SageSure — State Auto — Swyfft — Texas Fair Plan — Texas Windstorm — The Hartford — Travelers — Vault — Wright Flood — Zurich](/insurance-companies) ## Customer Reviews See what customers have to say about working with Platinum Risk Solutions [View Reviews](/reviews) ## Get Your Free Earthquake Insurance Insurance Quote [Start Here](https://clients.prsgtx.com/marketplace/3992) ## From Our Blog [**What to Consider Before Installing a Home EV Charger** — Charging an electric vehicle at home can make ownership more convenient, but installing a home EV charger involves more than simply mounting equipment in the garage. Electrical capacity, charger type, installation location, local requirements, and long-term use should all be considered before work… — Sep 2](/blog/2026/what-to-consider-before-installing-a-home-ev-charger) [**What to Consider Before Renovating Your Commercial Space** — Renovating a commercial space can improve functionality, update the appearance of your business, and create a better environment for employees and customers. Whether you are making a few targeted improvements or completing a major remodel, careful planning can help keep the project on track. —… — Aug 18](/blog/2026/what-to-consider-before-renovating-your-commercial-space) [**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… — Aug 4](/blog/2026/how-to-protect-your-home-during-a-power-outage) [View all articles](/blog) ```json {"@context":"https://schema.org","@graph":[{"@type":"Service","@id":"https://www.prsgtx.com/earthquake-insurance#service","url":"https://www.prsgtx.com/earthquake-insurance","name":"Earthquake Insurance","serviceType":"Earthquake Insurance","description":"Earthquake Insurance quotes from multiple insurance companies in Texas, Alabama, Arizona, Arkansas, California, Colorado, Florida, Georgia, Hawaii, Louisiana, Maine, Minnesota, Montana, New York, North Carolina, North Dakota, Oregon, South Carolina, Tennessee, Texas, Virginia, and Wyoming.","provider":{"@id":"https://www.prsgtx.com/#organization"},"areaServed":[{"@type":"State","name":"Texas"},{"@type":"City","name":"Humble","address":{"@type":"PostalAddress","addressLocality":"Humble","addressRegion":"Texas"}},{"@type":"State","name":"Alabama"},{"@type":"State","name":"Arizona"},{"@type":"State","name":"Arkansas"},{"@type":"State","name":"California"},{"@type":"State","name":"Colorado"},{"@type":"State","name":"Florida"},{"@type":"State","name":"Georgia"},{"@type":"State","name":"Hawaii"},{"@type":"State","name":"Louisiana"},{"@type":"State","name":"Maine"},{"@type":"State","name":"Minnesota"},{"@type":"State","name":"Montana"},{"@type":"State","name":"New York"},{"@type":"State","name":"North Carolina"},{"@type":"State","name":"North Dakota"},{"@type":"State","name":"Oregon"},{"@type":"State","name":"South Carolina"},{"@type":"State","name":"Tennessee"},{"@type":"State","name":"Texas"},{"@type":"State","name":"Virginia"},{"@type":"State","name":"Wyoming"},{"@type":"City","name":"Houston","address":{"@type":"PostalAddress","addressLocality":"Houston","addressRegion":"TX"}},"Houston Metro"],"image":{"@type":"ImageObject","@id":"https://www.prsgtx.com/earthquake-insurance#image","url":"https://webtricity-assets-1.wbtcdn.com/images/s/collov-home-design-4-jql4jcs98-unsplash-1170x780.a04c1eb044ac249a0a4f902e186801553715abbc1c04651b2e11683bb5932cf2.jpg","width":1170,"height":780}},{"@type":"Organization","@id":"https://www.prsgtx.com/#organization","url":"https://www.prsgtx.com/","name":"Platinum Risk Solutions"},{"@type":"WebPage","@id":"https://www.prsgtx.com/#webpage","url":"https://www.prsgtx.com/","name":"Earthquake Insurance | Platinum Risk Solutions Group in Humble, Texas","description":"Earthquakes can happen in Texas. 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