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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learn about Split Limit EQ

Split Limit earthquake insurance product details:

This residential earthquake insurance policy is underwritten by Coastal Select Insurance Company, rated “A” (Excellent) by A.M. Best Company.

Currently, you can get this earthquake insurance policy in California.

 

Dwelling limit up to $1.9M

3 deductible options from 5% - 15% - varies by coverage and location

Monthly pay, 3 pay, and full pay plans

Homes built 1940 & newer

Masonry veneer accepted

Swimming pool coverage available

Retrofit and auto pay discounts available

Your Dwelling

Residential earthquake insurance covers the structure and attached features of your home.

Your Other Structures

Full Coverage: 10% of Dwelling limit
Limited Coverage: Excluded

Your Contents

Full Coverage: 50% of Dwelling limit
Limited Coverage: $5k max

Loss of Use

Full Coverage: 25% of Dwelling limit or $25k
Limited coverage: $1.5k max

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 Split Limit EQ cover?

If you’re looking for something that looks and feels like a homeowners policy, the Split Limit earthquake insurance policy is the solution for you.

This insurance policy divides your earthquake coverage into individual limits, unlike the Single Limit policy, but sets guidelines around how much each of those limits include.

It’s an excellent choice for homeowners who want to make an earthquake insurance policy both powerful and secure. Without an earthquake insurance policy, you don’t have any security for your home equity and your greatest investment.

All you need to enter to get an instant quote is your address and your dwelling limit from your current Homeowners policy. 

If you are located in California, you might see the Flex EQ Limits product first after getting a quote. To see a quote for the Split Limit EQ product, look for the link at the bottom of the quote to see a quote for another product.

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

GeoVera's earthquake insurance

Learn more about all of our earthquake insurance options.

Flex Limits EQ
2.5% - 25%

Deductibles

Our most flexible earthquake policy with affordable 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 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

Classic split limit 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.