OUR TOP INSURANCE COMPANIES
Earthquake Insurance in Texas
Earthquake insurance offers coverage for loss of properties and financial losses from earthquake, which is not including the risk map of the state. Though Texas may not experience frequent earthquakes as compared to other states, it is still prone to the element which can lead to great losses to the people living in affected areas or investing in property.
These risks focus on specific areas and are monitored well by CINCO as per the Texas situation and provides coverage that could shield Texans against potential losses from an earthquake. This way, we meets the client’s need and makes sure that the property they own is also protected.
Why Do I Need Earthquake Insurance In Texas?
Though compared to other states Texas is not very vulnerable to earthquakes, it is always a possibility to experience one and the consequences are dangerous to the property owners.
This insurance offers the necessary coverage for potential expensive losses due to earthquakes to your house or your commercial establishment.
Standard homeowners or commercial property insurance policies typically do not cover earthquake damage, making separate insurance essential.
This insurance helps to have a guarantee that your property is protected from such unpredictable natural disasters.
People who own property can avoid cases where they have to spend a lot of money on damages in case of an earthquake.
How Much Does Earthquake Insurance Cost In Texas?
A basic policy of earthquake insurance for Texas homeowners is estimated to cost $100 to $800 per year with premium that may be higher depending on location, value of the house and extensiveness of the policy. They should be considered wise investments to prevent the likely destruction of property by the earth quakes in the state. The following are some of the conditions that may make the insurance premium expensive.
COMPARE Earthquake Insurance Rates Across Key Texas Cities
It is imperative that homeowners or residents in Texas comprehend the rates of earthquake insurance, as this state experiences varying levels of seismic activity. Rates can differ significantly depending on the area, home value, and construction type. Understanding the insurance costs in major Texas cities can help you select the right insurance plan. Below are the average annual insurance rates for key cities in Texas.
City Name
Average Annual Insurance Rate ($)
Houston
$100 - $800
San Antonio
$100 - $700
Dallas
$100 - $800
Austin
$100 - $700
Fort Worth
$100 - $800
El Paso
$100 - $600
Arlington
$100 - $700
Corpus Christi
$100 - $600
Plano
$100 - $800
Lubbock
$100 - $600
WHAT DISCOUNTS CAN I GET FOR Earthquake INSURANCE IN TEXAS?
There are many ways through which the homeowner can get a reduced rate on insurance premiums. Mitigation programs, high rise building, customer loyalty to the insurers and purchasing compound policies also attract discounts. By evaluating and utilizing these options, you can save money while still receiving all the necessary protection from an earthquake and any related risks for your home.
DISCOUNT NAME
DESCRIPTION
Multi-Policy Discount
Save by bundling insurance with other policies.
Retrofitting Discount
Discounts for homes retrofitted for earthquake resistance.
Claims-Free Discount
Save with a clean claims history.
New Construction Discount
Newer homes qualify for discounts.
Group Membership Discount
Discounts for members of certain organizations or associations.
Loyalty Discount
Save for staying with the same insurance provider.
Protective Devices Discount
Discounts for installing earthquake protective devices.
Full Payment Discount
Save by paying your premium in full upfront.
Safety Training Discount
Discounts for completing earthquake safety training.
Higher Deductible Discount
Save by opting for a higher deductible on your policy.
What Are The Minimum Earthquake Insurance Requirements In Texas?
Currently in Texas, there are no state legal regulations of minimum earthquake insurance. Nevertheless, all the same, there may exist cases whereby mortgage lenders may extend an encouragement to property owners in seismically active regions or regions near fault lines to purchase insurance. This is to prevent eradication of properties and probable financial loses through the occurrence of earthquakes. Consequently, insurance is not mandatory, but it is an advantage for homeowners and a guarantee against further hazards in other states.
What Coverages Can I Get For My Earthquake In Texas?
Dwelling Coverage
Covers repair or rebuilding costs for your home’s structure, including foundation and attached structures, after earthquake damage.
Personal Property Coverage
Protects belongings like furniture and electronics from earthquake damage, helping you replace essential items and maintain your lifestyle.
Additional Living Expenses(ALE) Coverage
Provides funds for temporary housing and living expenses if you must relocate while your home is repaired after an earthquake.
Loss of Use Coverage
Compensates for lost rental income if your rental property becomes uninhabitable due to an earthquake, safeguarding your income stream.
Building Code Upgrade Coverage
Pays extra costs to update your home to current building codes during repairs after an earthquake, ensuring enhanced safety and compliance.
Why Is CINCO The Best Choice For Earthquake Insurance In Texas?
Excellent Customer Service
Get Free Quotes
Multiple Convenient Locations Near You
Get Discounts
Affordable Premiums
HOW IT WORKS
Explore
Our extensive insurance options are designed to safeguard your property from seismic risks in Texas.
Connect
Contact our Texas property insurance team to discuss your insurance needs and find the best coverage.
Compare
Compare our competitive rates and coverage options to ensure you get the best insurance for your property.
Get A Free Earthquake Quote In Texas
FIND CINCO AUTO INSURANCE NEAR YOU IN TEXAS
GET CINCO Earthquake INSURANCE IN YOUR CITY
WHY CUSTOMERS LOVE CINCO AUTO INSURANCE?
Cashauna Burks
Edward was nice, he put up with me. Keep him, he will help you and negotiate and listen. Good rate
Google Review
Gonzalez Prestige
Very fast and reliable service I had misplace my paperwork and they found it in less than a minute thank you guys keep on the good work
Google Review
Tihesha Wise
Best quote I had in the past 3 days lowest quote for real! Quick sign up and rep was super patient and kind while he reviewed everything I really appreciate this.
Google Review
Samuel Uribe
I strongly recommend this place they gave me the best deals and worked with me.. Ana is the rite person to go to she will definitely help you.
Google Review
GoddesSina Qadesh
I am very satisfied!! Very reasonable price and was done in minutes. I definitely recommend.
Google Review
Nelly Merced
Jenireth was such an amazing help with setting me up with a car insurance. Very affordable prices and great customer service when calling.
Google Review
Terrance Wilson
Amanda was very helpful with getting insurance. She searched multiple companies to get me the best rate possible. Great customer service!.
Google Review
Marcela Contreras
Great service overall, agents were super helpful. All of our questions were answered and I have to say I do ask a lot of questions. Also, prices are accessible. Win-win. 😊
Google Review
Will
Amy is a really sweet lady. She helped me and insured me quick easy and smooth. Great customer service.
Google Review
Mike J
Yolanda was wonderful, well mannered, respectful, very professional and clear in regards to getting my policy. I give her a 10!!!.
Google Review
Luis Gallegos
Got my business insurance quick and easy and the right price. yolanda did a great job. If yall need insurance give her a call. You wont find better deal 👍👍🙏🙏
Google Review
Johnny Garcia
Yolanda has been the biggest help to find me the best insurance. Excellent customer service. She really cares about her clients.
Google Review
Luis Pantoja
Karina was absolutely GREAT!! GREAT!! customer services all around. Highly recommended 💯
Google Review
Crisantos Anselmo
Karina was so amazing 👏 she honestly deserves a raise!!! Made everything fast and easy! Super consistent with follow ups!!
Google Review
Dilaa Ruiz lo
Evelyn was very nice! She helped us find and get an affordable price for insurance. Recommend her if you’re looking for a fast and easy experience!
Google Review
Gran Love
The service was wonderful, Veronica explained it to me very calm and broke it down to help me understand everything. I appreciate the patience and kindness.
Google Review
Diana Ontiveros
Thank you to aime! Great customer service! Super attentive, great rates! Definitely will be recommending to my family and friends
Google Review
Sandra Aguallo
Veronica was very helpful and got me the lowest price out there ! 100% recommend going to her for the lowest rates!.
Google Review
Angel ADB
I had a great experience with Oscar! He provided excellent help and service, giving me a very competitive quote on my vehicle. Highly recommend!
Google Review
Linda.Lucas2974 Lucas
Best service I have ever had from insurance companies. Thank you Aime for your service and help I’m sorry but she is the best. She went above and beyond to help us!
Google Review
Linda.Lucas2974 Lucas
Best service I have ever had from insurance companies. Thank you Aime for your service and help I’m sorry but she is the best. She went above and beyond to help us!
Google Review
Founded in 1981, CINCO Auto Insurance is a licensed agency proudly serving Texas and Georgia residents with reliable insurance coverage.
Find Car Insurance By Make
Toyota
Ford
Chevrolet
Honda
Nissan
Jeep
Hyundai
Kia
Ram
Subaru
GMC
Volkswagen
Copyright © 2025 CINCO Auto Insurance All Rights Reserved.