Living in Lebanon means enjoying beautiful landscapes, but it also means living on active fault lines. With seismic activity frequently making headlines in the region, a common question we hear at Guardian Insurance is: “If an earthquake hits, is my home covered?”
Many homeowners assume their standard fire or property insurance automatically protects them. Unfortunately, this is often a costly misconception.
Here is everything you need to know about earthquake insurance in Lebanon and how to ensure your property is truly safe.
The Short Answer: Is It Covered?
In most cases, it depends on the contract type and conditions
A standard “Fire & Allied Perils” insurance policy in Lebanon typically covers risks like fire, lightning, and sometimes water damage. Earthquake coverage is usually an “exclusion” meaning it is not included in the base price.
However, it can almost always be added as an optional extension (an add-on) to your existing policy.
Why Standard Policies should not Exclude Earthquakes?
Insurance companies view earthquakes as “catastrophic risks.” Unlike a kitchen fire that affects one home, an earthquake can damage thousands of homes simultaneously. Because the potential payout is massive, insurers require a specific premium calculation for this risk.
If you haven’t explicitly asked for the “Earthquake & Natural Disasters” extension, you are likely uninsured against seismic damage.
3 Reasons You Need Earthquake Coverage in Lebanon
1. Lebanon’s Geography
Lebanon sits on the Dead Sea Transform fault system. While we often experience minor tremors, historical data suggests the risk of larger events is real. Relying on “luck” is not a financial strategy.
2. Structural vs. Content Damage
A severe tremor doesn’t just crack walls; it can shatter windows, destroy electronics, and ruin furniture. A comprehensive property insurance plan with Guardian Insurance covers:
- The Building: Repairs to walls, foundations, and roofs.
- The Contents: Replacement of furniture, appliances, and personal belongings damaged by falling debris.
3. The Cost of Rebuilding is Rising
With construction costs in Lebanon fluctuating, paying out-of-pocket to repair structural damage could be financially devastating. Insurance transfers that risk away from your savings.
How to Check Your Policy
Take a look at your current policy schedule (the summary page). Look for a section titled “Extensions” or “Special Conditions.”
- If you see “Earthquake,” “Seismic Activity,” or “Natural Perils”: You are likely covered (check your deductible!).
- If you don’t see it: You are exposed.
The “Deductible” Factor
It is important to note that earthquake insurance often comes with a specific Deductible in Lebanon 1% only.( 2% in not applied).
This means if your home is insured for $100,000 and you have a 1% deductible, you pay the first $1,000 of the repairs, and the insurance pays the rest.
Secure Your Home with Guardian Insurance
Protect your home with confidence.
Let our specialists review your policy and ensure you’re fully protected against earthquakes and other risks clearly, simply, and with no surprises.
