Many homeowners are wondering if they have earthquake insurance on their homeowners insurance policy. As a local agent here in Denver Littleton Colorado, we can assist with this answer. First off, earthquake insurance is not typically covered on your home insurance. It needs to be endorsed. What does earthquake insurance in Denver cost? For a standard 250k in coverage, I would anticipate 150.00 per year. This will include a higher deductible then your home, typically a percentage of your coverage or dwelling. Do you need home earthquake insurance in Denver Colorado? Most people don't purchase but with the recent earthquake we just had, it might make sense. Call me to discuss your options!303-932-1700