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Earthquake insurance—it's what we do.
We are the leaders for earthquake insurance in California and Washington states.
Most insurance agents and agencies are not as familiar with earthquake insurance. The homeowner's insurance company you have may only be able to offer you coverage through the CEA, as many of the big home insurance companies in California do.
We specialize in earthquake insurance and can offer you coverage from many of the top insurance providers in California and Washington for stand-alone earthquake insurance.
Whether you need an earthquake insurance policy for your home, condo, or rental property, our agents can help you find the best policy with the best rate.
The CEA offers no coverage for pools or other structures like detached garage, back patios, or property walls/fencing.
All our insurance company partners offer coverage for Other Structures and coverage for your pool is also available.
In addition to better coverage than what the CEA offers, more than 80% of our customers have reported saving an average of over $673 a year, based on a survey conducted in April 2020. To learn more about the shortcomings of CEA earthquake policies, visit our 3 Reasons to Avoid CEA Earthquake Insurance page.
Earthquake insurance policies for residential properties are to protect your home, and coverage is available for dwelling, other structures, personal property, loss of use, and loss assessment.
Multi-unit homes of 1-4 units have similarly available coverage as for single-family homes in dwelling, other structures, personal property, loss of use, and loss assessment.
Condo and townhouse owners can get coverage for dwelling, personal property, loss of use, and loss assessment.
Renters can get earthquake insurance coverage for personal property and loss of use.
Earthquakes in California are a way of life, yet surprisingly more than 85% don't have any earthquake insurance coverage. The cost of insurance is the top reason most don't buy. The extra premium, not mandatory with most home loans or landlords, doesn't motivate for owning earthquake insurance. So most get by taking a chance without quake coverage.
But now there seems to be a shift with the recent earthquakes, and more people who both own and rent are considering the financial loss and tragedy that will follow from a "big" earthquake. Homes and properties are insured from fire loss and should as well be from earthquakes and aftershocks.
Most residents of California live within 30 miles of an active fault line, underscoring the reality that earthquakes can occur anywhere and at any moment—this includes the possibility of seismic activity along previously unidentified faults. Washington state holds the position of having the second-highest risk in the U.S. for large and damaging earthquakes, a status attributed to its unique geologic setting. For more details, visit our Explore Earthquake Locations page.
If we were certain of experiencing a significant earthquake within the year, opting for the lowest possible deductible would be preferable. However, the future remains unpredictable, making the choice of a deductible a personal and financial decision that varies based on individual risk tolerance and comfort levels. It's important to note that we offer a wide range of deductible options, from as low as 2% up to 25%, to accommodate diverse needs and preferences.
The unpredictable nature of earthquakes means there is no waiting period required, allowing for the purchase of an earthquake insurance policy at any time. In many instances, an earthquake insurance policy can become effective on the same day. However, the urgency to secure coverage without delay is underscored by a different aspect of earthquakes and their insurance. Since an aftershock can potentially be of greater magnitude than the initial quake, insurance companies may impose a moratorium on the issuance of new earthquake insurance policies in areas affected by a significant seismic event. It could be weeks or months before this moratorium is lifted.
Coverage for breakables, including items such as china, porcelain, and crystal, is included in the earthquake insurance policies we offer, with a limit of up to $50,000.
Earthquake insurance policies we offer specifically clarify that 'non-stucco' construction materials, including brick, brick veneer, cement, adobe, and similar masonry or veneer materials, are covered. Importantly, earthquake insurance policies are available that provide coverage for such materials without imposing sub-limits.
Coverage for pools and spas is included under the 'Other Structures' section of our earthquake insurance policies, with coverage limits of up to $50,000. It's important to note, however, that while some of our policies provide coverage for pools and spas without sub-limits, extending up to the full limit of the 'Other Structures' coverage, this feature is not universal across all our offerings. Potential policyholders are advised to review policy details carefully to understand the specific terms regarding pools and spas.