This residential earthquake insurance policy is underwritten by Coastal Select Insurance Company, rated “A” (Excellent) by A.M. Best Company.
We offer this competitively priced earthquake insurance option throughout California*.
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.
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 a custom fit for your home.
You only need to enter your property address and your dwelling limit from your current Homeowners policy.
You can purchase online and be covered by tomorrow!
We will also ask for your email address so you can retrieve your quote. Your quote is active for 60 days.
* refer to Underwriting Manual for full guidelines
California Earthquake insurance rates
In general, your earthquake insurance rate is based on your Homeowners Coverage A Dwelling limit for most California homes. Sometimes, a third-party expert calculates your home’s replacement cost estimate. More factors that determine your price are:
California Earthquake deductibles
GeoVera offers California earthquake insurance with a broad range of deductibles. The deductible is the amount that will be subtracted from your payout when you have a claim for earthquake damage. The deductible you choose is calculated based on a percentage of your home’s insured value.
Earthquake deductibles in California start as low as 2.5% and go as high as 25%!
You can choose a lower deductible to save on earthquake insurance when it matters most, or you can choose a higher deductible so earthquake insurance does not have to be outside your budget.
Dwelling Coverage
Covered Dwelling Loss
Deductible
Your Responsibility
Claim Payout
In this scenario, you have a total covered loss of $500k with a 10% deductible. That means you are responsible for $50k, and your claim will pay $450k. On the positive side, you do not have to pay your deductible upfront in order to receive your claim payout. Get an instant quote to view the earthquake deductible options for your property.
If you own a home in California, Oregon, or Washington, it is time to consider how earthquake insurance will provide the protection you need.
