Specialty perils your standard policy won't cover.
Earthquake and flood damage are excluded from almost every standard homeowners and renters policy. With faults running through the Wasatch Front and changing flood risk across the Western U.S., a separate earthquake or flood policy is often the difference between a covered loss and a total loss. Your Millstone agent can shop the specialty market and help you choose the right policy for your home, condo, or business.
Important coverages
Earthquake and flood policies are written separately from your home or renters coverage, often through specialty carriers like NFIP, private flood markets, or earthquake-only carriers. Coverage and pricing vary widely by location, structure, and risk zone.
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1
Earthquake — Dwelling & Contents
Covers damage to the structure of your home, condo, or business plus your personal property when a quake strikes. Includes coverage for cracked foundations, collapsed chimneys, broken plumbing, and ruined contents.
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2
Flood — Building & Contents
Pays for damage from rising water — flash floods, snowmelt, overflowing rivers, storm surge — that homeowners and renters policies always exclude. Available through the NFIP and private flood markets.
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3
Loss of Use & Additional Living Expenses
If your home is uninhabitable after a covered earthquake or flood, this helps with hotel stays, meals, and temporary housing while your home is being repaired or rebuilt.
Do I need earthquake or flood coverage?
If you live anywhere along the Wasatch Front, in a designated flood zone, or near a river or coastal area in the Western U.S., the answer is almost always yes. Standard home and renters policies exclude both perils — so without a separate policy, the loss is on you.
How much coverage do I need?
Coverage typically matches your dwelling replacement cost. We help you figure out the right limits based on your home's rebuild value, deductibles you're comfortable with, and your specific earthquake or flood-zone exposure.
How much does it cost?
Premiums vary a lot by ZIP code, structure type, and risk zone. Earthquake policies are often a few hundred to a few thousand a year; flood ranges from under $500 in low-risk zones to several thousand in high-risk zones. We shop multiple specialty carriers to find the right fit.
Ready for a real quote?
We'll shop the whole carrier network in one form. No fees. No spam. No pressure.