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Earthquake Insurance
Protect Your Home and Peace of Mind from Earthquakes
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Why Earthquake Coverage Matters
Earthquakes strike without warning, and their aftermath can be costly sometimes devastating. Homeowners policies often don’t include quake coverage. That’s why adding dedicated earthquake insurance provides essential protection for your home, belongings, and quality of life during unexpected upheaval.
- Structural Coverage (Dwelling): Helps repair or rebuild your house if seismic forces cause structural damage.
- Other Structures: Extras like freestanding garages or fencing aren’t left out you’re covered there, too.
- Personal Belongings: From furniture and electronics to family heirlooms your valuables are protected.
- Additional Living Expenses: If your home becomes unlivable, we cover hotel stays, meals, and daily needs until you’re back on your feet.
- Loss Assessment: Shared community costs? We've got you covered if your homeowners' association places earthquake-related assessments on you.
- Choose Your Deductible: Common options range from 5–25%. Select what suits your budget and risk level.
- Premium Factors: We personalize rates based on your home’s age, construction materials, retrofit status, location, and rebuild value.
- Consider Retrofitting: Fortifying your home like bolting the frame or reinforcing cripple walls can lower both your risk and your premium.
- Upgrade Coverage: Optional building-code upgrade coverage helps pay for bringing your rebuilt home up to current seismic standards.
Q: I already have homeowners insurance isn’t that enough?
A: Homeowners insurance often excludes earthquake damage (except fire). Standalone earthquake insurance fills the gaps so you’re truly protected.
Q: My home isn’t old or fancy do I still need it?
A: Yes. Earthquake damage doesn't discriminate older and newer homes alike can experience severe shaking. It’s about preparedness, not prestige.
Q: What about financial aid from FEMA?
A: FEMA assistance may help, but it’s usually in the form of loans not grants and often insufficient. Having full insurance ensures you're covered without borrowing.