Earthquake Insurance for Homeowners

Is earthquake insurance worth it for you? Discover the best earthquake coverage available to homeowners in California, Oregon, and Washington.

Is earthquake insurance worth it?

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.

Product details

What does earthquake insurance cover?

Dwelling

Residential earthquake coverage protects the structure and attached features of your home.

Other Structures

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

Contents

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

We cover your additional living expenses, like housing, if your home is uninhabitable after an earthquake.

Building Code Upgrade

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

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

Flex Limits EQ
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

Single Limit EQ
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

Split Limit EQ