--- title: Earthquake Insurance | Freedom Insurance in North Carolina description: Earthquakes can happen in North Carolina. Earthquake insurance can protect your home and your family when catastrophe strikes. Freedom Insurance can help you determine your earthquake insurance needs. --- # Earthquake Insurance ## from Freedom Insurance * * * ## 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](/earthquake-insurance/quote) ## Insurance Partners [Aegis Insurance — Allstate — American Integrity Insurance Co — American Modern — AmTrust Financial — BiBerk Insurance company — Canal Insurance — Chubb — Dairyland Insurance — Discovery Insurance — Farmers — Foremost Insurance — Frank Winston Crum Insurance — Hagerty — Heritage Insurance — Hiscox — Hiscox Insurance — Homeowners of America Insurance company — Liberty Mutual — National General Insurance — Nationwide — NC Grange Mutual Insurance — Orion 180 — Philadelphia Insurance — Progressive — The General Insurance — The Hartford — Travelers — Universal Property & Casualty Insurance — Utica National Insurance — Zurich](/insurance-companies) ## Start Your Earthquake Insurance Quote Freedom Insurance strives to offer you quality insurance coverage, a high level of professional service and a long-term relationship. As independent insurance agents in North Carolina, we’ll research rates and coverage from top insurance companies to find the best insurance rates and insurance plans for you. We do the insurance shopping and comparing for you to save you time and money on your earthquake insurance. * * * ### Want to talk to an agent first? **Call us - we love talking about insurance!** [Contact Our Office](/contact) (A form appears here on the HTML version of this page.) ## From Our Blog [View More Articles](/blog) [**Custom Parts And Equipment Coverage: What It Is And Why It Matters** — Custom parts and equipment coverage helps protect aftermarket upgrades, modifications, and added accessories that may not be fully covered under a standard auto, motorcycle, or specialty vehicle policy. It matters because many vehicle owners invest far more into custom wheels, stereo systems, lifts… — Apr 27](/blog/2026/custom-parts-and-equipment-coverage-what-it-is-and-why-it-matters) [**Boat Insurance Coverage Gaps Every Boater Should Understand** — Boat insurance can provide important protection for physical damage, liability, and certain on-water risks, but many policies still have exclusions, limits, and gaps that boat owners do not notice until a claim happens. The most common problems usually involve navigation limits, uninsured boaters,… — Apr 27](/blog/2026/boat-insurance-coverage-gaps-every-boater-should-understand) [**How Lease Agreements Impact Your Insurance Responsibilities** — Leasing a commercial space is a common step for many businesses, but the terms of a lease often include more than just rent and duration. Lease agreements frequently outline specific insurance responsibilities that both tenants and property owners are expected to meet. Understanding how these… — Apr 22](/blog/2026/how-lease-agreements-impact-your-insurance-responsibilities) ```json {"@context":"https://schema.org","@graph":[{"@type":"Service","@id":"https://www.freedominsurancenc.com/earthquake-insurance#service","url":"https://www.freedominsurancenc.com/earthquake-insurance","name":"Earthquake Insurance","serviceType":"Earthquake Insurance","description":"Earthquake Insurance quotes from multiple insurance companies in North Carolina.","provider":{"@id":"https://www.freedominsurancenc.com/#organization"},"areaServed":[{"@type":"State","name":"North Carolina"},{"@type":"City","name":"Morganton","address":{"@type":"PostalAddress","addressLocality":"Morganton","addressRegion":"North Carolina"}},{"@type":"City","name":"Lenoir","address":{"@type":"PostalAddress","addressLocality":"Lenoir","addressRegion":"North Carolina"}},{"@type":"City","name":"Hickory","address":{"@type":"PostalAddress","addressLocality":"Hickory","addressRegion":"North Carolina"}}],"image":{"@type":"ImageObject","@id":"https://www.freedominsurancenc.com/earthquake-insurance#image","url":"https://webtricity-assets-1.wbtcdn.com/images/s/zac-gudakov-ia4vlxgs1lq-unsplash-1170x780.983bd270d5345edfc0201a3282e52c40dba673334d9f2e723bbdf18398501222.jpg","width":1170,"height":780}},{"@type":"Organization","@id":"https://www.freedominsurancenc.com/#organization","url":"https://www.freedominsurancenc.com/","name":"Freedom Insurance"},{"@type":"WebPage","@id":"https://www.freedominsurancenc.com/#webpage","url":"https://www.freedominsurancenc.com/","name":"Earthquake Insurance | Freedom Insurance in North Carolina","description":"Earthquakes can happen in North Carolina. 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