[header] How to file an earthquake insurance claim [title] Consider where you live. [step] You should only consider buying earthquake insurance if you live in an area prone to relatively frequent or potentially dangerous earthquakes. While most of the united states is susceptible to earthquakes, a lot of these areas encounter only minor or incredibly infrequent ones. 
In addition to considering your geographical location, you should also consider the type of dwelling you live in. Some buildings are more prone to damage than others.