Recent Significant California Earthquakes
See all recent significant earthquakes at USGS.
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February 26
Ventura County
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January 30
San Diego County
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January 5
Inyo County
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Humboldt 20
Petrolia, CA
California Earthquake Insurance
Customize an instant quote for your home. Choose your deductible and a convenient payment plan to see how affordable earthquake insurance is.
Do I need earthquake insurance in California?
California experiences the most earthquakes in the United States and has the highest amount of property damage due to earthquakes. In fact, an earthquake strikes in California every three minutes. While the majority of these quakes cause little or no damage, it only takes one large quake to cause catastrophic loss to your home and neighborhood. Additionally, the closer your home is to a fault, the higher your risk. Given that there are more than 500 known active faults in California, it is clear that most people in California live near an active fault.
When you own a home in an earthquake hazard zone, consider how earthquake insurance can protect your financial security. You’ll want GeoVera on your side when the next earthquake strikes.
your California earthquake risk
Is earthquake insurance worth it in California?
While no one can predict when and where the next big earthquake will strike, you can protect your financial security now with earthquake insurance.
To clarify, there are several factors to consider when determining if earthquake insurance is worth it for you.
How much does earthquake insurance cost?
Earthquake insurance in California can, on average, cost between $1,000 to $2,500 annually for $500,000 of coverage.
However, you can customize your earthquake insurance quote to tailor a policy just for you. If you would like to lower your cost, try increasing your deductible or your coverage limits.
Earthquake Insurance Benefits
What does earthquake insurance cover?
Your homeowners insurance policy does not provide coverage for earthquake damage. With this in mind, we have created a stand-alone earthquake insurance policy to help California homeowners get the earthquake coverage they need.
Typically, a traditional California earthquake policy will provide coverage for your home and other structures, personal property, personal liability, loss of use, and building code upgrade. Some policies may also include sub-limits for swimming pool and chimney coverage. Of course, if you’re needing a cost-effective solution, a limited coverage option may be the most affordable earthquake insurance policy.
Some earthquake insurance carriers, such as the California Earthquake Authority, require you to have a homeowners insurance policy with one of their providers. Unlike one of these providers, you can customize and purchase your GeoVera earthquake insurance policy today regardless of who your homeowners insurance provider is.
To see the coverages and limits available for your home, create a custom quote now. All you need is your address and the dwelling coverage limit from your current homeowners insurance policy to get an instant earthquake insurance quote.
How do I get an earthquake insurance quote?
Customize your policy and find your price in an instant.
All we need is your address and your dwelling coverage limit amount from your homeowners insurance policy.
California Earthquake insurance rates
How is California earthquake insurance rate calculated?
In general, your earthquake insurance rate is based on your Homeowners Coverage A Dwelling limit for most California 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.
California Earthquake deductibles
How does the earthquake insurance deductible work?
GeoVera offers California 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 in California 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.
California 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.
We have the best earthquake insurance in California
Flex Limits EQ
2.5% - 25%
Deductibles
Our most flexible earthquake policy with affordable rates
Dwelling limit up to $3.5M
Flexible limit options
Swimming pool coverage
6 pay, 3 pay & full pay plans
Retrofit discount
Auto Pay discount
Underwritten by Homesite Insurance Company of California
Rated "A" (Excellent) by A.M. Best Company
Single Limit EQ
10% - 25%
Deductibles
A robust policy with one single limit that covers everything
Single limit up to $5M
Full and limited coverage options
Includes demand surge
Monthly, 3, & full pay plans
Retrofit discount
Auto Pay discount
Underwritten by GeoVera Insurance Company
Rated "A" (Excellent) by A.M. Best Company
Split Limit EQ
5% - 15%
Deductibles
Classic split limit policy with multiple limits
Dwelling limit up to $1.9M
Full and Limited coverage options
Includes demand surge
Monthly, 3, & full pay plans
Auto Pay Discount
Underwritten by Coastal Select Insurance Company
Rated "A" (Excellent) by A.M. Best Company
how to purchase earthquake insurance
Where can i buy
earthquake insurance?
You have several options to purchase earthquake insurance in California:
- You can purchase a stand alone earthquake insurance policy from the earthquake insurance experts at GeoVera.
- You can purchase earthquake coverage from your current homeowners provider if they are a partner of the California Earthquake Authority.
- Or, you can ask your insurance agent if they have access to other top-rated stand-alone earthquake insurance providers.
Why Choose GeoVera?
Earthquake insurance is the stability you need in shaky times.
It is time to consider how earthquake insurance will provide the protection you don’t get from your Homeowners insurance policy. Learn more about your risk in California, Oregon, & Washington.