How Much is Earthquake Insurance in Utah? - 3 Things You Need To Know in 2022 - Keystone Insurance

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Earthquake Insurance in Utah – 3 Things You Need To Know


how much is earthquake insurance in Utah?Earthquake insurance in Utah is on everyone’s mind lately with the increasing frequency of earthquakes worldwide, especially since most of Utah’s population lives on a major earthquake fault called the Wasatch Fault Line. At Keystone Insurance, we offer Bear River Mutual earthquake insurance as well as many other major brands to residents of Utah.

Call us today to find the right earthquake coverage for you and your family.

How Many Earthquakes are in Utah?

According to the University of Utah there are approximately 700 earthquakes (including aftershocks) in the Utah region each year.  Surprisingly, only about 2% of the earthquakes are felt.  There are about 13 earthquakes a year over 3.0 magnitude on the Richter magnitude scale.  You can see a list of all recent earthquakes in Utah here.



Jump to: Earthquake Insurance Utah Cost -Get a Quote | What Do I Need to Know About Earthquake Insurance? | Deductibles | Waiting Period | Does My Insurance Company Offer Earthquake Insurance? | Preparing for an Earthquake | Types of Earthquake Insurance Policies | Reviews


How Much is Earthquake Insurance in Utah? Get an Earthquake Insurance Quote

Wondering about the cost of earthquake insurance in Utah? Don’t wonder anymore! Although earthquake insurance can be perceived as expensive, it’s much more affordable than dealing with the aftermath of an earthquake without the proper coverage. The price of earthquake insurance can vary so find out how much your premiums will be by filling out the quote form below:

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What Do I Need To Know About Earthquake Insurance in Utah?

1. Utah Earthquake Insurance Information

Here’s what you need to know when purchasing Utah earthquake insurance:  You need to be aware of the deductible and waiting period that may apply with the insurance application.  The Utah Department of Insurance estimates that only 18% of homeowners have earthquake insurance because it’s expensive. Find out what earthquake insurance in Utah costs by getting a free quote.

The Deductibles on Earthquake Insurance

The deductibles are applied much differently than a simple dollar amount, and they will differ widely from company to company so make sure that you’re aware of your out-of-pocket cost if / when the “big one” hits.


The Waiting Period

In Utah, it’s also typical to have a mandatory waiting period of 30 days before your earthquake coverage will kick in. This means that if we begin to have tremors, it’s normally not even possible to obtain coverage within the time that the tremors will affect us. It’s important to plan ahead and ask yourself the “what if” question now on this coverage in particular.


Does the Insurance Company Even Offer Earthquake Insurance?

Not all home insurance companies will allow you to add Earthquake coverage. If that’s the case then there are other insurance companies that will cover natural disasters to help fill the gap in coverage. Talk to your agent to find out what options are available to you.


earthquake Eagle Mountain Utah2. Preparing for an Earthquake Near Eagle Mountain Utah

Ever since about 1994, earthquakes have been increasing in frequency exponentially. Many speculate what could be causing this increase, but regardless of the cause, you need to get prepared with earthquake insurance in Utah as well as material supplies.

It’s common to talk about emergency preparations that involve 72-hour kits, food and water storage, etc. but along with that, you’ll still need a place to live and a way to replace your belongings. Since homeowners insurance policies exclude coverage for damage caused by an Earthquake, many homeowners would be left without shelter or any way to rebuild their homes. It’s important to take a look at adding this coverage back onto the policy so that you’re not left without the means to rebuild.

When you add Earthquake coverage onto your policy, it could also pay additional expenses for temporary housing, meals, and transportation until your home is able to be lived in again. This could make an otherwise impossible situation bearable and will make a huge difference in the way that your family moves forward after an earthquake.


3. Deciding On An Earthquake Insurance Policy

Because earthquakes are so random, little can be done to predict cause or frequency. The main factors that are considered when deciding earthquake insurance policy rates are the environment, historical results, and building construction.

The more you own, the more risk you have. Make sure your Utah earthquake insurance policy covers everything you need.

Since we do live in a potentially volatile seismically active state in Utah, it’s wise to be prepared for the short-term with emergency supplies, as well as the long-term with earthquake insurance to cover your dwelling and other belongings.

At Keystone Insurance Services, we have several options for packaging the earthquake with your home insurance, as well as stand-alone natural disaster coverage. We will look at your unique situation and find what the best fit is for you. We’ll look at all the big brands, like Bear River Mutual, to find the best earthquake insurance coverage for you. We have offices in Provo and Payson, UT, so when you choose Keystone Insurance you’ll always have an earthquake insurance agent nearby.

Fill out the form below and select “Earthquake” to set up a time to discuss how Earthquake Insurance can work for you.



“Thanks for taking care of my needs for insuring my homes and my car. I appreciate my recent earthquake insurance. I feel safe and appreciate the lower costs.”

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Areas We Serve

We write insurance policies for the State of Utah. If you live in, or close to, the following areas call us for a quote!
Your area not on the list? Call us and we’ll guide you to the nearest agent!