Comprehensive Earthquake Insurance with Sargent Insurance Agency

Protect Your Home and Finances in Little Rock, Arkansas

Earthquake

Coverage that keeps you steady when the ground shakes.

While it's impossible to predict when an earthquake will strike, being prepared is key. Having earthquake coverage can safeguard your finances if your property suffers damage, since standard homeowners, condo, or renters insurance typically doesn’t include it. Even if you live in areas that aren’t considered high-risk, like California or Hawaii, it’s still crucial to secure this coverage.

Earthquakes can strike without warning. When they do, the damage can be severe. Yet many homeowners don’t realize that standard home insurance doesn’t cover earthquake-related damage.

At Sargent Insurance Agency in Little Rock, Arkansas, we help you protect what matters most with reliable earthquake insurance. Whether you live in a high-risk zone or just want extra peace of mind, we’re here to ensure you’re prepared.

Earthquake insurance fills the gaps left by standard homeowner’s policies. It typically includes protection for:

  • Dwelling structure – Repairs or rebuilding after quake damage.
  • Detached structures – Garages, sheds, fences, and similar buildings.
  • Personal belongings – Furniture, appliances, and valuables.
  • Additional living expenses – Temporary housing and meals if your home is uninhabitable.

This coverage ensures you have financial and emotional support when you need it most.

While earthquakes may seem like a West Coast issue, Arkansas lies near the New Madrid Seismic Zone, making coverage a smart choice. Consider earthquake insurance if:

  • You live near a fault line or in a seismic zone
  • Your home is structurally vulnerable to tremors
  • You want financial security for quake-related losses
  • You’re not prepared to pay large repair costs out of pocket

We’ll help evaluate your property and guide you to the right coverage level for lasting peace of mind.

Earthquake insurance usually comes with a percentage-based deductible rather than a fixed dollar amount. For example:

If your home is insured for $250,000 and your deductible is 10%, you’d pay $25,000 before your policy covers the rest.

While deductibles can be higher than for other insurance types, the financial support after a major quake can be essential to full recovery.

Trusted Protection Starts with Local Expertise

At Sargent Insurance Agency, we take a neighborly approach to risk management. As a family-run Arkansas insurance agency, we understand the unique risks our region faces. We’ll help you find earthquake insurance that makes sense for your home, your family, and your budget.

With access to top-rated earthquake insurance providers, we’ll compare options, explain the details, and answer your questions every step of the way.

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