learn about Single Limit EQ

Single Limit earthquake insurance product details:

Our Single Limit EQ earthquake insurance policy is underwritten by GeoVera Insurance Company, rated “A” (Excellent) by A.M. Best Company.

The single limit earthquake policy is available in California, Oregon, & Washington.


Single limit up to $5M in California, and $1.9M in Oregon and Washington.

4 deductible options from 10% - 25% - varies by coverage and location

Masonry veneer accepted

Swimming pool coverage available

Monthly pay, 3 pay, and full pay plans

Auto pay available

Retrofit (CA only) discount available

Single Limit

A single limit policy provides one limit for all coverages combined in your policy, up to $5M in California, and $1.9M in Oregon and Washington. This policy offers more flexibility to use your coverage where you need it most after an earthquake.

Your Dwelling

Included in Single Limit
Coverage for the structure and attached features of your home.

Your Other Structures

Included in Single Limit
Coverage for the external structures not attached to your home, like a detached garage or fence. This coverage can be excluded if you purchase our Limited coverage policy.

Your Contents

Included in Single Limit
This coverage protects your personal belongings inside of your home. Or, choose our Limited coverage policy that includes $5,000 max.

Loss of Use

Included in Single Limit Up to 12 months
We cover your additional living expenses, like housing, if your home is uninhabitable after an earthquake. Or, choose our Limited coverage policy that includes $1.500 max.

Building Code Upgrade

Included in Single Limit
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 Single Limit EQ cover?

The Single Limit EQ earthquake insurance policy is the most comprehensive product on the market. This earthquake policy is designed to make things simple with its all-in-one inclusive limit.

You will get everything you need without individual limits. When a claim occurs, your deductible will apply to the single limit, and you will receive a single amount to distribute as you need at the time of an earthquake claim. 

Your Single Limit product includes coverage for demand surge (i.e., the increased costs of repairs after an earthquake). You can further increase your single limit to cover additional needs.

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 retrieve your quote. Your quote is active for 60 days.

GeoVera transforms California's Residential

Click below to learn more about all of our earthquake insurance options.

Quake Select Flex Limit EQ

Our most flexible policy with affordable rates, customizable coverage options (including new building code upgrade sub-limit choices), and a broad range of deductibles.

  • Available in CA, OR, WA
  • Deductibles: 2.5% – 25%
  • Dwelling limit up to $3.5M
  • Homes built 1925 & newer
  • Flexible limit options
  • Swimming pool coverage
  • Retrofit discount in CA
  • Full pay, 3 pay & monthly plans
  • Auto Pay available
  • Underwritten by Coastal Select Insurance Company

Learn More – CA

Learn More – OR, WA


Single Limit EQ

Our “Cadillac” product has a combined single limit for all coverages, with one deductible, including demand surge.

  • Available in CA. OR. WA
  • Deductibles: 2.5% – 25%
  • Single limit up to $5M (CA), $1.9M (OR, WA)
  • Full and limited coverage options
  • Includes demand surge
  • Retrofit discount in CA
  • Auto Pay available
  • Underwritten by Geovera
    Insurance Company

Learn More

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.

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