Most people don’t think of Colorado when they hear “earthquake”—but small quakes actually happen here more often than you’d expect. At 4G Insurance Brokers, we’re a family-owned agency in Westminster CO, and we help homeowners across the state stay prepared for both everyday risks and those surprise shake-ups.
Here’s the thing: standard Colorado home insurance usually doesn’t cover earthquakes. If ground movement cracks your foundation or damages your walls, you could be stuck with the repair bill—unless you’ve added earthquake coverage to your policy.
So what does an earthquake insurance policy usually cover?
✅ Structural damage to your home
✅ Detached garages or sheds
✅ Damaged furniture or personal items
✅ Temporary housing if your place isn’t livable
And what’s not covered? Things like flood damage from burst pipes, existing foundation issues, or your car (that’s for your auto policy).
How Is an Earthquake Claim Different from a Home Insurance Claim?
Unlike standard homeowners insurance, which covers things like fire or storm damage, earthquake insurance specifically covers damage caused by ground shaking. It also comes with a much higher deductible—usually a percentage of your home’s value rather than a flat fee. So while your regular policy might help with a burst pipe, it won’t help if that pipe broke because of an earthquake. That’s where a separate earthquake policy comes in.
The good news? Earthquake insurance in Colorado is typically affordable—most policies run about $100 to $300 per year depending on your home, location, and deductible.
If you’ve ever wondered, “Do I need earthquake insurance in Colorado?”—you’re not alone. We’ll walk you through it and help you find a tailored policy that makes sense for your home and budget.
Give 4G Insurance Brokers a call today to see if earthquake insurance is the smart move for your Colorado home.