Learn about Affordable Earthquake Insurance

What is Quake Select
residential earthquake
insurance?

Our Quake Select Flex Limit earthquake policy provides flexible coverage limits with a broad range of deductibles to protect your home in Oregon & Washington. 

Quake Select Product Highlights:

Available in Oregon & Washington

Dwelling limit up to $3.5M

8 deductible options from 2.5% - 25%

Monthly, 3 pay, and full pay plans

Expert catastrophe claims team

Plus you can have peace of mind knowing that Quake Select is underwritten by Coastal Select Insurance Company an A.M. Best Company “A” (Excellent) rated carrier.

Get a Quote for Earthquake Insurance

Or call us: 1 (800) 324-6020

Or call us: 1 (800) 324-6020

Get a free quote from a licensed earthquake insurance agent in California, Oregon, and Washington. Available Monday through Friday, 6:00 am – 5:00 pm PT.

What does the Quake Select Flex Limit earthquake policy cover?

Your Dwelling

We will match your homeowners or standard dwelling fire Coverage A Dwelling amount, and you can increase up to $3,500,000. This covers the structure and attached features of your home.

Your Other Structures

Other Structures are the external structures not attached to your home, like a detached garage or fence. This coverage is optional, and you can select a limit up to the max provided.

Your Contents

This coverage protects your personal belongings inside of your home. This coverage is optional, and you can select a limit up to the max provided.

Loss of Use

We cover your additional living expenses, like housing, if your home is uninhabitable after an earthquake. Includes $10,000, or you can increase to $50,000.

Loss Assessment

Provides coverage for your portion of assessments levied by a property owners association. Includes $10,000, or you can increase to $50,000.

Limited Building Code Upgrade

Necessary to bring your home up to the current local building code standards. Includes up to $10,000, or you can increase up to $30,000.

Quake Select Product Fact Sheet
Download the Quake Select Product Fact Sheet (PDF)

The dwelling limit of your earthquake insurance policy will match the dwelling limit on your homeowners or standard dwelling fire insurance policy.

You can increase your earthquake limit to cover additional needs such as the increased costs of repairs after an earthquake. 

What makes this a flexible Earthquake insurance policy?

Other types of coverage limits are optional. You can create an affordable earthquake insurance policy by adjusting each earthquake policy limit to as little or as much as you want. It’s earthquake coverage where you need it most for a custom fit for your home.

What do I need to get an earthquake insurance quote?

You only need to enter your property address and your dwelling limit from your current Homeowners policy. 

We will also ask for your email address so you can easily retrieve your quote. Your earthquake insurance quote is active for 60 days.

You can purchase online and be covered by tomorrow!

Get a Quote for Earthquake Insurance

Click below to learn more about our earthquake insurance options in Oregon & Washington.

Geovera Earthquake Logo White

Quake Select Flex Limit

Flexible Limit product with customizable coverage options for each limit with various deductibles​. 

  • Dwelling limit is up to $3.5M
  • Deductibles: 2.5% – 25%
  • Flexible coverage limits
  • 8 deductible options
  • Monthly, 3 & full pay plans
  • Auto Pay available
  • Underwritten by Coastal Select Insurance Company​
Learn More
Geovera Earthquake Logo White

Single Limit

The Single Limit product offers flexibility on the “back end” with a combined single limit for all coverages and one deductible to apply towards a claim. It also includes demand surge.

  • Available in CA, OR, WA
  • Deductibles​: 10% – 25%
  • Single limit up to $5M (CA), $2.25M (OR), $2.5M (WA)
  • Full and limited coverage options
  • Includes demand surge
  • Retrofit discount in CA
  • Auto Pay available
  • Underwritten by GeoVera Insurance Company
Learn More

Earthquake insurance rates

How is earthquake insurance rate calculated?

In general, your earthquake insurance rate is based on your Homeowners Coverage A Dwelling limit for most homes. Sometimes, a third-party expert calculates your home’s replacement cost estimate. More factors that determine your price are:

  • The age, size, and location of your home.
  • Your home’s foundation type.
  • The construction materials used in your home.
  • The deductible and limits you choose.

Earthquake deductibles

How does the earthquake insurance deductible work?

GeoVera offers earthquake insurance with a broad range of deductibles. The deductible is the amount that will be subtracted from your payout when you have a claim for earthquake damage. The deductible you choose is calculated based on a percentage of your home’s insured value.

Earthquake deductibles start as low as 2.5% and go as high as 25%!

You can choose a lower deductible to save on earthquake insurance when it matters most, or you can choose a higher deductible so earthquake insurance does not have to be outside your budget.

Earthquake Insurance Loss Scenario:

$k

Dwelling Coverage

$k

Covered Dwelling Loss

%

Deductible

$k

Your Responsibility

$k

Claim Payout

In this scenario, you have a total covered loss of $500k with a 10% deductible. That means you are responsible for $50k, and your claim will pay $450k. On the positive side, you do not have to pay your deductible upfront in order to receive your claim payout. Get an instant quote to view the earthquake deductible options for your property.

Get a Quote with GeoVera

Earthquake insurance is the stability you need in shaky times.

If you own a home in California, Oregon, or Washington, it is time to consider how earthquake insurance will provide the protection you need.