Your homeowners insurance policy does not provide coverage for earthquake damage. If you own a home in California, Oregon, or Washington, then you need earthquake insurance.
Smart Earthquake Insurance for Homeowners
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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.
Find out how to choose the best earthquake insurance provider.
Finally, 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.
4.8 Magnitude Earthquake Rattles California-Nevada Border
California earthquake details from USGS A magnitude-4.8 earthquake struck about 5 miles SE of Deep Springs, California, near the Nevada border, on January 5, 2022 at 4:28 PM Monday, Pacific Time. Residents in wide-spread areas of California felt shaking, with the strongest shaking felt in Fresno, Merced, and Visalia. Residents as far as Bakersfield, and […]
GeoVera
6.2 Magnitude Northern California Earthquake Shakes Humboldt Area
California earthquake details from USGS A magnitude-6.2 earthquake struck Northern California, off the coast of Eureka, CA on December 20, 2021 at 1:10 PM Monday, Pacific Time. Residents in wide-spread areas of Northern California felt shaking, with the strongest shaking felt in Humboldt, Mendocino, and Trinity Counties. Residents as far north as Oregon also reported […]
GeoVera
Oregon Coast Earthquake Swarm
Oregon Earthquake Insurance The recent earthquake swarm has Oregon residents thinking about earthquake insurance. In the past 36 hours, more than 65 quakes have struck off the Oregon coast. The quakes occurred along the Blanco Fault Zone –Oregon’s most active fault. The biggest reached a magnitude of 5.8. In response to the Oregon coast earthquake […]
GeoVera