Washington Earthquake Insurance Coverage

An earthquake is one of the most devastating events that can happen. Your homeowners/renter’s policy will not work in the event of an earthquake. To protect yourself and your property against this, an earthquake insurance policy is specially made for this kind of disaster.

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Earthquake Insurance Benefits & Coverage

Dwelling Coverage
In California, only 10% of people purchase insurance against these risks. In Washington, the number has risen to 11.3%, and in New Madrid, it has dropped to 12.7%. Dwelling coverage helps cover the home up to its included amount.

Personal Property Coverage
The furniture. computer and TV are most likely included when buying a policy. However, you can get more coverage when you buy additional breakable coverage.

Additional Living Expenses
Is the term for the expenses you incur while relocating to another location. While some homeowner's policies cover earthquake damage, many don't. Earthquake insurance can help cover the costs of temporary living expenses, such as food and hotel stays.

Cost To Remove Debris
The most likely types of homes to be damaged by an earthquake are wood-frame homes, multi-story buildings, and brick homes. Earthquake insurance can cover the cost to remove the debris damage to your property due to the earthquake.

Why Buy An Earthquake Insurance

Important questions most of our clients asked are: “Do I need an earthquake insurance policy?” To answer this is yes! Even though your house is located where earthquakes are rare, you should acquire at least the standard policy. According to a study, all 50 states in the USA are likely to experience these ground-shaking events. Most people think that the policy is expensive, however, buying coverage can cost $800 per year, this will work with $500,000 worth of coverage.

It's crucial to have this coverage because of the high possibility of earthquakes damaging your home. Most policies allow you to set a deductible of 5%, 10%, 15%, or 25% of your dwelling coverage limit. That way, you'd pay a deductible of $45,000 if your home were destroyed by an earthquake, and your insurer would pay the rest.

Earthquake insurance covers damage caused by earthquakes, volcanoes, and other seismic events. It also specifies a period for a single event. The payout will pay for repairs and replacements to your home, other structures, and personal belongings. It also covers earthquake-related land stabilization and loss-of-use coverage. This policy is beneficial for earthquake-prone areas and those with a lot of buildings made of brick, stone, or clay.

While earthquake insurance is useful for reducing losses from earthquakes, it can be very costly, especially if your home is located in a low-risk area. In such areas, some policies will not cover the full cost of repair or rebuilding, make sure to check the state and local laws before deciding to buy a policy. This can save you thousands of dollars in the long run.

What's Cover & Not?

Protect Your Investment Against Earthquake

The standard homeowner policies don't cover earthquakes. But you can add earthquake insurance as an endorsement to your policy. The coverage includes the pay—for repairs to your dwelling and any other structures attached to it. If an earthquake causes damage to your personal property, it will cover the cost to remove debris. Additionally, it may even pay for extra living expenses.

The type of insurance you purchase depends on the state where you live. For example, Californian homeowners insurance is required by law to include earthquake coverage because of the high risk of seismic earthquakes. Some states do not require to have them, however, they can help you protect against quakes. Also, earthquakes can be caused by modern disposal methods. So, earthquake insurance may be worth considering even if you live in a state with a low risk of seismic activity.

Part 1: Dwelling Coverage: Sometimes referred to as Coverage A which covers home up to included amount, but not excluded with the following:

Your homeowners’ policy limit will be the same as your earthquake insurance.
The deductibles may range between 5%, 10%, 15,%, 20%, and 25%.
Most earthquake policies excluded landscaping, pools, fences, masonry, or separate buildings.
Renting or owning a condo, does not need to buy a policy.

Part 2: Personal Property Coverage. Also known as Coverage C which covers the things inside your home, like furniture, TVs, and computers.

A $5,000 standard limit which you can increase up to $200,000.
The deductibles may range between 5%, 10%, 15,%, 20%, and 25%.
More coverage can protect you if you purchase additional breakable coverage.

Part 3: Additional Living Expenses/Loss of Use. A Coverage D provides temporary and extra costs to live somewhere else like hotels, while your house is inhabitable or being repaired.

Typically covers temporary rentals of homes, apartments, and hotel rooms, as well as restaurant meals, temporary telephone lines, furniture rental, and laundry.
The deductibles may range between 5%, 10%, 15,%, 20%, and 25%.
More coverage can protect you if you purchase additional breakable coverage.
The limit can range from $1,500 up to $100,000.

Emergency repairs coverage pays for the cost of replacing damaged items. It typically covers 5% of your dwelling and/or personal property limit. The premium will be determined depending on your deductible. Earthquake insurance deductibles will vary, but most are between ten to fifteen percent of the total rebuild value of your home. For homeowners who are concerned about their deductible, they can purchase earthquake insurance that will cover these costs.

Whether you need it or not, it is best to understand how a single event can wiped-out all of our dreams. Prevention is always better than cure, protect yourself and your assets by buying an earthquake insurance policy, which can be beneficial shortly. Or especially if you are in a high-risk quake area.

Flood Insurance Experts

What Happens If My House Is Destroyed In An Earthquake Without Policy

If you are planning to buy a flood insurance policy, you should assess if your house land in a flood-prone area. Many communities can qualify for a policy through FEMA. However, if you live in an area where flood maps change frequently, you may not be able to find one without getting a quote. Vice versa, if you live in a high-risk area, you can purchase a separate policy from a private company.

A typical flood insurance policy will pay for the replacement costs of your home after a flooding event. It does not cover losses that happen before the flood. Moreover, you cannot increase the amount of coverage once the flood starts. In some areas, flood insurance is necessary, but there are also some exceptions. Generally, a flood insurance policy costs about $260 annually for a $100,000-per-inclusion limit. While this is a good start, you must ask if you need a policy.

Some areas are required to have an insurance policy by the federal government. In many cases, the insurance coverage is less than what you need, but the amount is still significant. And a flood insurance policy will provide you with peace of mind.

Washington State, Earthquake & Flood Insurance Trusted Provider

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News & Blogs

Holiday Emergency Dentist Tulsa | Open When Others Close

Emergency Dental Tulsa

December 20, 2025•3 min read

A holiday tooth emergency is a special kind of awful: you’re in pain, you’re busy, and half the world is closed. If you’re searching for an emergency dentist open on holidays in Tulsa, you want one thing—a real solution fast, not a voicemail.

We help Tulsa patients get holiday appointment options for severe toothaches, swelling, broken teeth, lost crowns, and dental injuries. The goal is simple: stabilize the problem now so it doesn’t explode into a bigger emergency the moment normal schedules return.

Call Now for Same-Day Emergency Dental Care

What kinds of holiday emergencies should be treated quickly?

Call immediately if you have:

Facial swelling
Fever with dental pain
Drainage/bad taste (possible infection)
Trouble swallowing or breathing
Bleeding that won’t stop
Severe pain that’s worsening quickly

If swelling is involved, don’t wait. Infection-related issues can escalate.

Common holiday dental emergencies in Tulsa

We see predictable patterns:

Cracked teeth from hard foods (nuts, candy, ice, bones)
Crowns or fillings popping loose
Toothaches flaring due to delayed care
Swelling and abscess symptoms
Wisdom tooth pain
Dental trauma from accidents, sports, or falls

The biggest holiday mistake is trying to “wait it out” when symptoms are escalating.

What holiday emergency dental care focuses on

Holiday care is about speed and stabilization:

Diagnose the cause quickly
Reduce pain and protect the tooth
Prevent worsening infection or fracture
Provide same-day treatment when appropriate
Create a fast plan for follow-up if needed

Sometimes a final restoration requires a second visit—but stabilizing now can save the tooth and prevent a much bigger emergency later.

Weekend + holiday combo timing

Holidays often fall next to weekends, which can stretch delays. If you’re dealing with swelling, severe pain, or a broken tooth, it’s smart to treat it like an emergency and call now.

Insurance, cash pay, and payment plans

We work with:

Most major dental insurance
Cash pay patients
Payment plans available (where offered)

No insurance? Still call. A “small” issue today can become a multi-step problem tomorrow.

Holiday scheduling tips (how to get in faster)

Call earlier in the day
Clearly describe symptoms (swelling/fever/trauma are priority)
If you lost a crown, keep it and bring it
Be flexible if an opening becomes available

What to do right now

Avoid chewing on the painful side
Gentle salt water rinse
Cold compress for swelling
OTC pain meds as directed
Save broken pieces/crowns and bring them

Tulsa holiday coverage areas

We help patients across:

Downtown Tulsa
Midtown Tulsa
South Tulsa
Broken Arrow
Owasso
Jenks and Bixby

Related Emergency Dental Care in Tulsa

Call Now for Same-Day Emergency Dental Care

FAQs

Are you open on holidays?
Holiday appointment options are available (hours vary). Call for the soonest opening.
Is swelling urgent on a holiday?
Yes. Call immediately if swelling is worsening.
Do you take insurance on holidays?
Yes—most major dental insurance is accepted.
Is cash pay accepted?
Yes.
Are payment plans available?
Payment plans may be available depending on provider.
Should I wait until the next business day?
Not if you have swelling, fever, drainage, or escalating pain.