Learn about Affordable Earthquake Insurance

What is the Flexible EQ Limits earthquake insurance solution?

Our Flex EQ Limits solution is an affordable earthquake insurance policy, underwritten by Homesite Insurance Company of California, an A.M. Best Company “A” (Excellent)-rated carrier that is held to unbeatable standards for overall performance.

As a servicing partner, GeoVera, with decades of experience, adds a proven history of earthquake-risk policy management and claims expertise to deliver exceptional service.

Flexible EQ Limits Product Highlights:

Dwelling limit up to $3.5M

8 deductible options from 2.5% - 25% for added savings

6 pay, 3 pay, and full pay plans

Available in California, except Alameda County

Homes built 1940 & newer

Masonry veneer accepted

Swimming pool coverage available

Retrofit and auto pay discounts available

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Your Dwelling

We will match your homeowners or standard dwelling fire Coverage A Dwelling amount, and you can increase up to $3,500,000. This covers the structure and attached features of your home.

Your Other Structures

Other Structures are the external structures not attached to your home, like a detached garage or fence. This coverage is optional, and you can select a limit up to the max provided.

Your Contents

This coverage protects your personal belongings inside of your home. This coverage is optional, and you can select a limit up to the max provided.

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. This coverage is optional, and you can select a limit up to the max provided.

Loss of Use

We cover your additional living expenses, like housing, if your home is uninhabitable after an earthquake. Includes $10,000, or you can increase to $50,000.

Building Code Upgrade

We offer coverage for the building code upgrades you need to get a reconstruction permit when rebuilding after an earthquake. Includes up to $10,000.

Earthquake Insurance Benefits

What does the Flexible EQ Limits earthquake policy cover?

The dwelling limit of your earthquake insurance policy will match the dwelling limit on your homeowners or standard dwelling fire insurance policy.

You can increase your earthquake limit to cover additional needs such as the increased costs of repairs after an earthquake. 

What Makes This a More Affordable Earthquake Insurance Policy?

Other types of coverage limits are optional. You can create an affordable earthquake insurance policy by adjusting each earthquake policy limit to as little or as much as you want. It’s earthquake coverage where you need it most for your home for a custom fit.

What do I need to get an earthquake insurance quote?

To start, all you need to enter to get an instant quote is your address and your dwelling limit from your current homeowners policy. 

We will also ask for your email address so you can easily retrieve your quote. Your earthquake insurance quote is active for 60 days.

Get a Quote on Affordable Earthquake Insurance
GeoVera's earthquake insurance

Learn more about all of our earthquake insurance options.

Flex Limits EQ
2.5% - 25%

Deductibles

Our most flexible policy with affordable earthquake insurance rates.

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 earthquake insurance policy with one single limit that covers everything.

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

A classic split limit earthquake insurance policy with multiple limits.

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

Earthquake insurance is the stability you need in shaky times.

If you own a home in California, Oregon, or Washington, it is time to consider how earthquake insurance will provide the protection you need.