GuidesEnvironmental and housing risk6 min read

Earthquake preparedness checklist for your household

Earthquakes give no warning, so preparation is entirely about what you did to the house and the kit beforehand.

Secure the room you sleep in first

Most earthquake injuries come from falling objects and broken glass, not collapsing buildings.

Strap tall furniture, bookcases, and water heaters to wall studs
Move heavy items off shelves above beds and seating
Use latches on cabinets holding glass and heavy dishes
Keep shoes and a flashlight under each bed for broken glass

During the shaking

Drop, cover, and hold on. Do not run outside, and do not stand in a doorway.

Drop to your hands and knees, cover your head and neck, hold on to sturdy furniture
If in bed, stay there and cover your head with a pillow
If outdoors, move to open ground away from buildings and power lines
If driving, pull over clear of overpasses and stay in the vehicle

Right after

The first hour decides whether small problems become large ones.

Check for injuries, then for gas smells, fires, and water leaks
Shut off gas only if you smell or hear a leak, and know where the wrench is
Expect aftershocks and stay out of damaged rooms
Text rather than call, and check in with your out-of-area contact

Money and coverage

Earthquake damage is almost never covered by a standard policy, and repairs are cash-heavy.

Ask your insurer what an earthquake endorsement would cost and what the deductible is
Keep an accessible cash buffer, since claims and aid take weeks
Photograph rooms annually and store the photos in the cloud
Consider a seismic retrofit if your home is an older raised-foundation build

Common questions

What should you do during an earthquake?

Drop, cover, and hold on where you are. Running outside during shaking is a leading cause of injury, and doorways offer no real protection in modern homes.

What goes in an earthquake kit?

Water for three to seven days, food needing no cooking, a first aid kit, sturdy shoes and gloves for broken glass, flashlights, power banks, medications, and copies of key documents.

Is earthquake damage covered by homeowners insurance?

No. Earthquake coverage is a separate policy or endorsement, typically with a percentage deductible based on the home's value.

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