With seismic activity on the rise globally-and Utah residents living directly along the Wasatch Fault Line-earthquake insurance is becoming a crucial layer of protection for homeowners. At Keystone Insurance Services, we understand the risks unique to Utah and provide tailored coverage options from trusted providers, including Bear River Mutual and other major insurance brands.
Find the Right Earthquake Coverage for Your Home and Family
Your home is more than an asset-it's your sanctuary. Click below to get personalized earthquake insurance quotes and explore policies that fit your home, family, and budget.
How Many Earthquakes are in Utah?
According to the University of Utah Seismograph Stations, there are roughly 700 earthquakes per year in the state, though only around 2% are strong enough to be felt. Annually, Utah experiences about 13 measurable quakes (3.0+ magnitude). View the most recent seismic activity data on the official Utah earthquake tracker.
What Does Earthquake Insurance Cost in Utah?
Get a Quote for Utah Earthquake Insurance
While many assume earthquake insurance is unaffordable, the reality is that the cost of being unprotected after a major quake is significantly higher. Premiums vary based on home value, location, construction, and deductible levels. Use our quick form below to get a customized quote for your home in Utah.
What You Need to Know About Utah Earthquake Insurance
Understanding Deductibles
Earthquake insurance deductibles are usually percentage-based, not fixed dollar amounts. Depending on your provider, deductibles can range from 5% to 25% of your property's insured value. It's vital to understand your potential out-of-pocket costs before disaster strikes.
Be Aware of Waiting Periods
Most policies in Utah include a 30-day waiting period before coverage becomes active. This means you can't get insured the moment tremors start-planning ahead is key.
Not All Insurance Providers Cover Earthquakes
Some homeowners insurance policies exclude earthquake coverage altogether. Our licensed agents will help you identify providers that offer comprehensive disaster protection or recommend standalone earthquake insurance policies.
Earthquake Preparedness in Utah (Including Eagle Mountain & Surrounding Areas)
Since 1994, seismic activity has been increasing noticeably. While the causes may be debated, one thing is clear-Utah residents need to be ready. Preparation includes both emergency supplies and a strong insurance policy.
Typical homeowners insurance policies do not cover earthquake damage. Without dedicated coverage, families may be left without shelter or resources to rebuild. Earthquake insurance can cover:
- Structural damage to your home
- Replacement of personal belongings
- Temporary housing, meals, and transportation
These features can transform an unmanageable crisis into a recoverable event.
How to Choose the Right Earthquake Insurance Policy
Because earthquake risk is unpredictable, insurance providers calculate rates based on:
- Seismic activity history
- Geographic risk zones
- Home construction type
- Property value and replacement cost
If you own a home in Utah, you carry risk exposure. Ensure your policy offers full protection for your dwelling and contents.
Work with Local Experts at Keystone Insurance
At Keystone Insurance Services, we offer:
- Bundled home and earthquake insurance options
- Standalone disaster policies
- Access to top-tier providers like Bear River Mutual
- Personalized service from local, licensed agents in Orem / Provo and Payson, Utah
We specialize in customizing coverage to your unique needs and ensuring that your policy accounts for the latest regulations, risk zones, and premium variables. Ready to get started?
Click below to connect with a local earthquake insurance agent today.
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