Service Page
Structural coverage, personal property protection, and loss of use coverage for California's greatest natural disaster risk.
Coverage Details
Standard home insurance does not cover earthquakes. Our earthquake policies fill the gap with comprehensive coverage designed for California's unique seismic landscape.
California sits on one of the most active fault systems in the world. The San Andreas, Hayward, and Ventura Avenue faults produce thousands of tremors each year. According to the California Earthquake Authority, there is a 99 percent chance of a damaging earthquake somewhere in the state in any given year. Standard homeowners insurance does not cover earthquake damage, leaving most California families unprotected against the single greatest natural disaster risk they face.
Earthquake structural coverage pays to repair or rebuild your home if it is damaged by seismic activity. This includes damage to your dwelling, attached structures, and in some policies, detached garages. California earthquake policies typically carry a deductible of 5 to 25 percent of your dwelling limit, not a flat dollar amount. We help you understand the difference between a percentage deductible and a flat deductible so you know exactly what you will owe after a major event.
Personal property coverage pays to repair or replace your belongings if they are damaged or destroyed by an earthquake. This includes furniture, electronics, clothing, kitchen contents, and other household items. Without this coverage, you would pay out of pocket to replace everything inside your home after a major quake. We help you select the right replacement cost endorsement so your belongings are covered for what it costs to buy them today, not their depreciated value.
If an earthquake makes your home uninhabitable, loss of use coverage pays for additional living expenses while you are displaced. This includes hotel bills, restaurant meals, storage costs, and other expenses above your normal cost of living. After a major earthquake, homes can be uninhabitable for months while repairs are completed. Loss of use coverage ensures your family has a place to stay without draining your savings.