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Comprehensive Earthquake Insurance with Sargent Insurance Agency

Protect Your Home and Finances in Little Rock, Arkansas
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Multiple coverage options to choose from

Earthquake Insurance Provided By Our Agency

While you can't predict earthquakes, you can be prepared, which can make all the difference. Earthquake coverage is essential for protecting your finances in case your home, condo, or rental unit is damaged. Since standard homeowners, condo, or renters policies typically do not cover earthquake damage, it is crucial to secure coverage even if you don't reside in California or Hawaii.

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Personal Property
Additional Living Expenses

Dwelling coverage

Risk Factors

An earthquake can damage your home and the internal structure of your home. You must pay for repairs from your pocket if you don't have coverage.


This coverage accounts for the rebuild or repair cost of the home and other structures on the property in the event of earthquake damages.

Personal property coverage

Risk Factors

An earthquake can cause damage to your interior furniture & fixtures, and you are bound to pay for their replacement.


If your personal property, like furniture, electronics, or other valuables, is damaged in an earthquake, you are covered up to certain limits.

Additional living expenses coverage

Risk Factors

While your house is under repair, you need another place to stay, like a hotel. If you don’t have enough coverage, you need to pay the accommodation expenses yourself.


This coverage pays additional living expense costs needed if you are required to live elsewhere temporarily due to earthquake damage to your home.

What is Earthquake Insurance?

Earthquake insurance provides coverage for your home, personal belongings, and additional living costs in the event of an earthquake that forces you to relocate. Most ordinary insurance policies for renters and homeowners do not include earthquake coverage. Yet, you can add it as an endorsement to an existing homeowners policy or purchase it as a standalone policy.

What is Covered Under Earthquake Insurance?

Standard homeowners insurance policies generally don't cover earthquake or flood damage. That's why individuals purchase separate earthquake or flood insurance if they live in areas prone to such disasters. Earthquake insurance covers:

Damage to the home or any structures on the property caused by an earthquake

Earthquake-related damage to personal property

Additional living expenses if earthquake damage makes your home temporarily uninhabitable

Why is Earthquake Insurance Important?

Earthquake insurance is essential if you live in a high-risk area. While standard homeowners insurance does not include earthquake coverage, it must be purchased separately. States near fault lines, such as California, Alaska, and Oklahoma, are more susceptible to earthquakes. If you live near a fault line or in a high-risk area, it is wise to consider earthquake insurance.

We often don't anticipate the unthinkable until it happens. Insurance aims to prepare for unexpected events and reduce the financial impact of losses. There is no exception with earthquake insurance. Your homeowners' insurance coverage may be enhanced by an earthquake endorsement, which will shield you against catastrophic or modest losses brought on by an earthquake. For peace of mind, having earthquake insurance is crucial if you reside in a high- or moderate-risk area or close to an active fault line.

For more information about earthquake insurance and how it can safeguard your house and finances, get in touch with Sargent Insurance Agency at 7107 West 12th St. Suite 103 Little Rock, AR 72204.

Already have Earthquake Insurance? Switching is easy

It might be time to switch insurers whenever the service that your existing insurer provides doesn’t meet your needs. For example, if you have a poor claims experience or an unexplained rate increase, it might be time to consider other options

If you cancel a previous policy before a new policy is effective, you could run into some serious financial problems.

Contact us today to help you with multiple options to choose from.
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Sargent Insurance Agency

Also providing service throughout Camden, Helena – W. Helena, Maumelle, North Little Rock, and Pine Bluff areas. – Licensed in Alabama, Arkansas, Mississippi, Tennessee and Texas.
7107 West 12th St. Suite 103 Little Rock, AR 72204
1120 Washington St Camden, AR 71701
2600 West 28th Pine Bluff, AR 71603
421 Perry St Helena AR 72342
Monday ---------  9:00am - 5.00pm
Tuesday ---------  9:00am - 5.00pm
Wednesday ----  9:00am - 5.00pm
Thursday -------- 9:00am - 5.00pm
Friday ------------- 9:00am - 5.00pm
Saturday --------  closed
Sunday ----------- closed
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