Your local Allstate agents
Earthquake Insurance in Missouri
Earthquakes aren’t just a West Coast worry. The New Madrid seismic zone affects Missouri, and most standard home policies don’t cover earthquake damage. We’ll help you see whether coverage makes sense for your home.
- Homeowners
- Condo owners
- Renters
- New Madrid
Why ask us about earthquake coverage
- Local Allstate agents you can call or visit
- Help reading what your current policy excludes
- Gladstone office (Kirk Hilt Agency) licensed in Missouri and Kansas
- North Kansas City office (Hilt Group Agency) licensed in Missouri, Kansas and Iowa
- Start your free quote →
How earthquake coverage usually works
Earthquake damage is usually excluded from standard home, condo and renters policies. Coverage is usually added as an endorsement to your policy or bought as a separate policy, depending on what’s available where you live.
Your home
Can help repair your home’s structure after a covered earthquake.
Your belongings
Can help replace personal property damaged in a covered earthquake.
Deductibles
Earthquake coverage often has its own deductible, usually a percentage of your coverage amount. We’ll explain how yours works.
Why Missourians ask about it
The New Madrid seismic zone runs through southeast Missouri and nearby states. Kansas City is farther away, but a large quake could still be felt across the state, and some homeowners choose coverage for peace of mind. Coverage, options and eligibility vary by state and are subject to policy terms, underwriting and availability.
See also our home insurance, condo insurance and flood insurance pages, or request a free quote.
Earthquake insurance FAQ
Does home insurance cover earthquakes?
Usually not. Standard home policies generally exclude earthquake damage. Coverage is usually an endorsement or a separate policy.
Is Missouri at risk for earthquakes?
Yes. The New Madrid seismic zone affects Missouri, especially the southeast part of the state.
How does the earthquake deductible work?
Earthquake coverage often has a separate deductible, frequently a percentage of your coverage amount. We’ll go over the details before you decide.
Can condo owners and renters get earthquake coverage?
Often yes, depending on availability. Ask us what’s available for your situation.
Which states can you help in?
Our Gladstone office (Kirk Hilt Agency) is licensed in Missouri and Kansas. Our North Kansas City office (Hilt Group Agency) is licensed in Missouri, Kansas and Iowa.
Ask about earthquake coverage
Send us a quick request, or call the office nearest you.
