Hurricane alert: If you need to file a claim, the fastest and easiest way is online or call us at 800-631-6478.
Hurricane alert: If you need to file a claim, the fastest and easiest way is online or call us at 800-631-6478.
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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

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