Earthquake Insurance

Protecting Your Home from Seismic Risk

While many homeowners associate earthquakes with specific high-risk zones, seismic activity is a reality across the United States. One of the most dangerous myths in the industry is that standard homeowners insurance covers damage from "ground movement." In reality, standard policies specifically exclude earthquake damage. At Tedmus Insurance Services, we help families in Higley and beyond bridge this gap with dedicated earthquake insurance designed to protect your most valuable asset.


The High Cost of Ground Movement

A single significant seismic event can render a home unlivable in seconds. Without a standalone earthquake policy, you could be left responsible for 100% of the recovery costs, including:

  • Structural Repairs & Rebuilding: Covering the massive expense of repairing foundations, walls, and roofs damaged by shifting earth.
  • Personal Property Replacement: Protecting your furniture, electronics, and valuables that are destroyed during an event.
  • Loss of Use (Additional Living Expenses): If your home is unsafe to occupy, your policy can cover the cost of temporary accommodations, such as a rental home or hotel, while your property is being repaired or rebuilt.


Your Local Advocate for Specialized Coverage

At Tedmus Insurance Services in Higley, Arizona, we are more than just an insurance agency; we are your neighbors. We understand the unique geological landscape of the Southwest and the importance of having a plan in place before disaster strikes.


As an independent agency, we have the industry knowledge to navigate specialty providers and identify policies that offer both affordable rates and comprehensive limits. We live and work locally, making us easy to reach when you have questions about your specific risk level. Don't wait for the ground to shake to find out you're underinsured—let our team guide you toward a policy that aligns with your needs and your budget.


Standard homeowners insurance stops where the ground moves. Ensure your family is protected with expert earthquake coverage.