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Smart Earthquake Insurance for Homeowners

Your Homeowners insurance policy does not provide coverage for earthquake damage.

See how a stand-alone earthquake insurance policy from GeoVera can protect your home:

Get a Free Quote

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

Learn More

First, is earthquake insurance worth it?

Given the risk, now 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.

Product details

Second, what does earthquake insurance cover?

Dwelling

First, residential earthquake coverage protects the structure and attached features of your home.

Other Structures

Second, other structures are the external structures not attached to your home, like a detached garage or fence.

Contents

Next, this coverage protects your personal belongings inside of your home.

Loss of Use

In the event that your home is uninhabitable after an earthquake, we cover your additional living expenses, like housing.

Loss Assessment

Loss Assessment coverage will provide protection if you're responsible for a portion of damage or loss in a common area shared with other property owners.

Building Code Upgrade

Finally, we offer coverage for the building code upgrades you need to get a reconstruction permit when rebuilding after an earthquake.

Find out how to choose the best earthquake insurance provider.

Finally, click below to learn more about our earthquake insurance options.

Geovera Earthquake Logo White

Quake Select Flex Limit

Our most flexible policy with affordable rates, customizable coverage options (including new building code upgrade sub-limit choices), and a broad range of deductibles.

  • Available in CA, OR, WA
  • Deductibles: 2.5% – 25%
  • Dwelling limit up to $3.5M
  • Homes built 1925 & newer
  • Flexible limit options
  • Swimming pool coverage
  • Retrofit discount in CA
  • Full pay, 3 pay & monthly plans
  • Auto Pay available
  • Underwritten by Coastal Select Insurance Company

California:

Learn More

Oregon & Washington:

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.

  • Available in CA, OR, WA
  • Deductibles: 10% – 25%
  • Single limit up to $5M (CA), $1.9M (OR, WA)
  • No age of home restrictions
  • Full and limited coverage options
  • Swimming pool coverage (3K in Full coverage option)
  • Includes demand surge
  • Retrofit discount in CA
  • Full pay, 3 pay & monthly plans
  • Auto Pay available
  • Underwritten by Geovera
    Insurance Company
Learn More

Recent Earthquakes

Learn about recent significant earthquake activity in California, Oregon and Washington.

News Center
Preparing for an earthquake
  • Read Time: 2 mins

Earthquake Preparedness: Stay Safe and Ready

  • GeoVera
  • May 7
  • Read Time: 3 mins

5.2 Magnitude Earthquake Strikes San Diego, CA

  • GeoVera
  • Apr 14
Protect a Home Inside and Out
  • Read Time: 2 mins

Refresh Your Home and Protect Your Assets: A Guide to Spring Cleaning and Insurance Review

  • GeoVera
  • Mar 20

See Recent Earthquakes

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A.M. Best reaffirms 'A' (Excellent) rating for GeoVera

We are rated “A” Excellent by A.M. Best Company

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This website is designed to outline product offerings from the following insurance carriers: GeoVera Insurance, GeoVera Specialty Insurance Services, and Coastal Select Insurance. “GeoVera” is the marketing name for the collection of those carriers listed.

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