Earthquake Insurance for Homeowners
Your homeowners insurance policy does not provide coverage for earthquake damage. If you own a home in California, Oregon, and Washington, then earthquake insurance is worth it.
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.
Personal Liability
If you are held legally responsible for bodily injury claims or property damage sustained by others, this coverage will help you pay for those damages.
Loss of Use
In the event that your home is uninhabitable after an earthquake, we cover your additional living expenses, like housing.
Building Code Upgrade
Finally, we offer coverage for the building code upgrades you need to get a reconstruction permit when rebuilding after an earthquake.
With this in mind, learn more about all of our earthquake insurance options.
Flex Limits EQ
2.5% - 25%
Deductibles
Our most flexible earthquake policy with affordable rates
Available in California
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
Available in CA, OR, WA
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
Available in California
Dwelling limit up to $1.9M
Full and Limited coverage options
Includes demand surge
Monthly, 3, & full pay plans
Retrofit discount
Auto Pay Discount
Underwritten by Coastal Select Insurance Company
Rated "A" (Excellent) by A.M. Best Company
Recent Earthquakes
Learn about recent significant earthquake activity in California, Oregon and Washington.
4.3 Magnitude Quake Shakes Up Southern California residents
A 4.3 magnitude earthquake struck Carson, California on September 18, 2021 at 7:58 PM Wednesday, Pacific Time. Residents experienced moderate to light shaking in the Los Angeles and Long Beach areas with light shaking felt as far south as San Diego. Earthquakes are a real and present danger for California homeowners. A typical homeowners insurance policy […]
GeoVera