Earthquake Insurance

Don’t let an Earthquake shake up your life

As Californians, we hear a lot about "the big one". Earthquakes can cause significant damage to home structures. They can ruin housing foundations and collapse walls; even relatively mild tremors can destroy furnishings and belongings.

Having the right coverage can provide some peace of mind knowing that your home will be protected. You might be thinking, “doesn’t my homeowners policy cover me in an Earthquake?” Surprising to many, the answer is no. 

What Does Earthquake Insurance cover?

Earthquake insurance protects the financial investment you have in your home and belongings. You need earthquake insurance to cover your:

  • Dwelling, to help you pay to repair or rebuild your home
  • Personal property, to help replace damaged personal items such as furniture or TVs
  • Other structures, to help cover costs of repair to detached structures like garages, walkways, driveways, retaining walls and guest houses
  • Loss of use, to help cover your temporary, additional living expenses if you need to live somewhere else while your home is being repaired

How to decide if Earthquake Insurance is right for you?

It’s not mandatory for homeowners to buy California earthquake insurance. And there’s no denying it, earthquake insurance can be costly. It can be difficult to decide whether or not you should get an earthquake policy. While there are several factors to consider before purchasing an earthquake policy, we’ve narrowed it down to a few questions you should ask yourself:

  1. How likely is it that an earthquake will happen?
  2. How likely is it that an earthquake would cause damage to your home?
  3. Would you be able to afford to repair your home after an earthquake without the help of insurance?
  4. Do you have a lot of equity in your home to protect?

If you’d like to move forward with earthquake insurance, please contact one of our agents and we’ll guide you through your options.


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