Nimbus Insurance & Financial Services
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Texas Earthquake Insurance

Texas has earthquakes now.
Your homeowners policy still doesn't cover them.

Nimbus places standalone earthquake insurance for Texas homes, renters, landlords, and small businesses — sized for real seismic activity in the Permian Basin, DFW, and Eagle Ford.

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Texas Earthquake Insurance powered by Nimbus Insurance & Financial Services

Texas isn't California — but it isn't 1995 anymore either. USGS data shows Texas seismic activity has climbed from a handful of felt quakes per year to hundreds, concentrated in oil and gas regions and along the Balcones Fault Zone.

Every standard Texas homeowners policy — HO-3, HO-5, HO-B — excludes earth movement. When a quake cracks your foundation or drops a chimney through your roof, your homeowners carrier will deny the claim. A standalone earthquake policy is the fix.

We shop specialty carriers (Palomar and others) to place Texas-specific coverage for dwellings, renters, landlords, and commercial property. No California pricing, no cookie-cutter deductibles.

Coverage 01

Earthquake Dwelling Coverage

Your standard Texas homeowners policy explicitly excludes earthquake damage. A standalone earthquake policy — most commonly written through Palomar and other specialty carriers — fills that gap with high-limit dwelling protection built for Texas fault activity.

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Who needs it

Texas homeowners — standard HO-3 policies exclude earthquake damage.

What it typically covers

  • · Structural damage to your home from seismic movement
  • · Foundation cracks, chimney collapse, and wall separation
  • · Attached structures like garages and decks

What it usually doesn't cover

  • · Flood, tsunami, or landslide (separate policies)
  • · Pre-existing cracks or normal settling
  • · Damage to unattached retaining walls, pools, or fences (unless endorsed)

Coverage 02

Personal Property (Contents)

Contents coverage pays to repair or replace personal property destroyed when the ground moves. Deductibles are typically a percentage of the dwelling limit — we'll walk you through picking a limit that actually makes a claim worth filing.

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Who needs it

Anyone with valuable belongings inside a Texas home or rental.

What it typically covers

  • · Furniture, electronics, and appliances damaged by shaking
  • · Broken dishes, mirrors, artwork, and collectibles
  • · Optional scheduled coverage for jewelry and fine art

Coverage 03

Loss of Use / Additional Living Expense

If a seismic event makes your home unlivable, loss-of-use coverage pays for the extra costs of living somewhere else while it's being repaired. Standard Texas homeowners policies won't trigger these payments when the underlying cause is an earthquake.

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Who needs it

Homeowners and renters displaced after a quake.

What it typically covers

  • · Hotel, temporary rental, and meal costs while your home is uninhabitable
  • · Storage, moving, and pet boarding during repairs

Coverage 04

Renters Earthquake

Landlord insurance covers the structure — never your stuff. A renters earthquake policy is inexpensive and pairs cleanly with a standard Texas renters policy.

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Who needs it

Texas renters who want their belongings and displacement costs protected.

What it typically covers

  • · Personal property inside a rented unit
  • · Loss of use if the building is red-tagged

Coverage 05

Commercial Earthquake

Texas commercial property policies almost universally exclude earthquake. We place standalone or endorsement coverage for retail, office, warehouse, and multifamily assets — with limits sized to your actual replacement cost.

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Who needs it

Texas small businesses, landlords, and multifamily owners.

What it typically covers

  • · Building and business personal property
  • · Business income and extra expense after a covered quake
  • · Tenant improvements and betterments

Frequently asked questions

Ready to make sure you're properly covered?

Get a personalized quote, or upload your current policy and we'll review it for gaps.

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