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