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Smart Earthquake Insurance for Homeowners

Play Video about Earthquake Insurance Video

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

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, 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 (CA), $1.9M (OR, WA)

Full and limited coverage options

Includes demand surge

Monthly, 3, & full pay

Retrofit discount in CA

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

Auto Pay Discount

Underwritten by Coastal Select Insurance Company

Rated "A" (Excellent) by A.M. Best Company

Split Limit EQ

Recent Earthquakes

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

Get more news
Magnitude-4.5 Earthquake Strikes Ferndale, CA

4.5 Magnitude Earthquake Strikes Ferndale, CA

A cluster of earthquakes strike the Central Coast of California

A cluster of Earthquakes strike the Central Coast of California

A magnitude-7.8 earthquake struck Gaziantep, Turkey, on February 6, 2023.

7.8 Magnitude Earthquake Strikes Gaziantep, Turkey

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

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ABOUT GEOVERA
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  • Work @ GeoVera