Smart Earthquake Insurance for Homeowners
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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:
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.
Quake Select Flex Limit
Single Limit
Quake Plus+
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.
Recent Earthquakes
Learn about recent significant earthquake activity in California, Oregon and Washington.
