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Learn about your risk

Do you need earthquake insurance?

Discover if earthquake insurance is the best option to protect your equity. There are many factors to consider when deciding to purchase a residential earthquake insurance policy. Choosing to purchase a residential earthquake policy can seem complicated, but it doesn’t have to be. We’ll make it simple for you.

Learn how you can protect your biggest investment with an earthquake policy from GeoVera Insurance, and feel confident knowing that a GeoVera Insurance agent is available to guide you through every step of the process. Not sure an earthquake policy is right for you? We can help you decide if you are at risk, what coverage means for you based on the customized features of your home, and how to select a policy to fit your needs.



© 2014 USGS

Do you own a home in an earthquake prone area?

California is notorious for being part of “earthquake country”. However, many people are unaware that Oregon and Washington are just as susceptible to earthquakes as California. In fact, all three of these states are listed in the top 10 states with the most quakes by the United States Geological Survey (USGS). Even though earthquakes can happen anywhere in the United States, the likelihood is significantly increased for residential properties located west of the Great Rocky Mountains as shown by USGS’s seismic hazard map. Homeowners in these at risk areas are also risking great loss without the protection of earthquake insurance. California and Pacific Northwest homeowners are most at risk for high magnitude earthquakes, which can cause devastation and widespread destruction on a grand scale.

Fortunately, experts have the ability to determine the likelihood of future large magnitude earthquakes by studying the history of similar shocks. By learning about the history of earthquakes in your state, you can understand the likelihood of a devastating earthquake affecting where you live. See below for more detailed history by state:

How likely is it that your home will be damaged in an earthquake?

Each home is unique. Some homes will withstand a powerful earthquake better than others. There are many factors that determine a property's risk of experiencing severe damage caused by a large magnitude earthquake:

  • Consider your home's distance to fault lines.
    How close is your property to a fault line or fault line system? The United States Geological Survey’s interactive earthquake fault map illustrates the fault lines known and documented. Many of these faults were believed to be the source of quakes with a magnitude of 6 or greater. Some fault lines have yet to be discovered, such as the major fault discovered after the Napa earthquake of 2014. The Napa quake surprised both residents and research experts alike.
  • Can your home's construction features withstand damage from an earthquake?
    Wood frame homes with crawlspaces, multi-level homes, and older homes have a higher risk of suffering severe damage from a large magnitude earthquake. Although newer homes and retrofitted homes will sometimes experience less damage, even homes retrofitted to meet the most recent codes may still suffer damage from a strong quake.

Can you afford to repair or rebuild your home if it is severely damaged?

Many typical homeowners policies do not protect against the perils of earthquake destruction. Without this protection you may face a heavy financial burden on top of the stress and shock following an earthquake. Not only could you as a homeowner be saddled with the pain-staking process of waiting for assistance, but you may also need to find another place to live and pay for unexpected living expenses out of pocket.

GeoVera Insurance policyholders will have the peace of mind knowing they will not have to worry about these financial burdens when catastrophe strikes. Our comprehensive policy even provides Additional Living Expense and/or Fair Rental Value coverage for up to 12 months!

With low deductible options and affordable payment plans, find out how easy it is to protect your equity with an earthquake insurance policy by GeoVera.

 

Can you afford to live somewhere else while your home is being repaired?

If a high magnitude quake strikes your area and your home is uninhabitable, where will you go? Will you be able to afford a second place to stay until you have recovered and rebuilt? Earthquakes can affect large groups of people in populated areas, causing lodging and housing prices to skyrocket. A GeoVera comprehensive earthquake policy can even cover your additional living expenses to offset these increased housing expenses. We care about getting you back on your feet and back to your life as quickly as possible, and we are happy to eliminate the extra stress in the meantime.

Can you afford to lose all of your hard earned equity in an instant?

Building equity in your home is a lifelong effort. This same equity is meant to secure financial future and prosperity for you and your family.

Unfortunately, your financial security is jeopardized if you live in an earthquake prone area without earthquake insurance coverage. Living in a high risk zone doesn’t mean you have to take a high risk on your equity. It takes just a few minutes to get a quote for earthquake insurance! GeoVera Insurance can conveniently provide a quote and even secure a policy for you online. You can also find an earthquake insurance agent in your area to help you select the right coverage for your home. Whether in person or online, you can congratulate yourself on choosing the leading provider of stand-alone residential earthquake insurance and making the step to invest in your security.

GeoVera quotes are always quick, always easy, and always free.

Get a quote now: Quote Online  |  Find an Agent  |  Call GeoVera: 1 (800) 324-6020