Earthquake Insurance — Compare Private Coverage Options

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Top Earthquake Insurers We Compare

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Why Earthquake Insurance Matters

Most homeowners are just one quake away from tens of thousands in potential damage. Our independent agency helps you compare top-rated providers to find the right balance of price and protection.

  • No gimmicks — real coverage you can trust
  • Personalized help from a licensed earthquake insurance expert
  • Coverage options for California and Washington state
Home protected from earthquake

How It Works

1

Tell Us About Your Home

Answer a few quick questions so we can tailor your options.

2

Compare Top Carriers

Get transparent pricing and coverage from best insurers.

3

Get Covered in Minutes

Apply online or over the phone — we’ll handle the paperwork.

What Homeowners Are Saying

“They were helpful with exploring options to get a good price. I ended up with better coverage than I had from CEA at about the same cost.”

— Verified Earthquake Insurance Client

“Ara is an experienced insurance professional. He is knowledgeable, patient and efficient. He took the time to listen to my concerns, answered all my questions and made the process of switching to private earthquake insurance from CEA seamless. It was truly a pleasure to work with him.”

— Verified Earthquake Insurance Client

“It is very helpful to have an agent find the best priced policy for you. I saved a lot of time and spoke with Ara over the phone to answer my questions.”

— Verified Earthquake Insurance Client

How We Can Help

Earthquake insurance—it's what we do.

We are one of the few agencies that specialize in just 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.

Frequently Asked Questions

What does earthquake insurance cover?
It typically covers damage to your home, personal belongings, and additional living expenses while repairs are made.
How do deductibles work?
Policies use percentage-based deductibles (a percent of your Coverage A dwelling limit).
Is a stand-alone earthquake policy better than the CEA?
The CEA offers no coverage for pools or other structures like detached garages, patios, or property walls/fencing. Our carrier partners can offer Other Structures coverage, and pool coverage may also be available.
Can I get a better rate than the CEA?
In addition to better coverage than what the CEA offers, in many areas of California homeowners save significantly with a standalone earthquake insurance policy. To learn more about common gaps in CEA policies, visit our 3 Reasons to Avoid CEA Earthquake Insurance page.
Do I need earthquake insurance where I live?
Most residents of California live within 30 miles of an active fault line, and quakes can also occur on previously unidentified faults. Washington state has the second-highest risk in the U.S. for large, damaging earthquakes due to its geologic setting. For more details, visit our Explore Earthquake Locations page.
What is the standard earthquake deductible most people get?
Deductibles are a personal financial decision. We offer options from about 2.5% up to 25% so you can match coverage to your comfort level and budget.
Is there a waiting period to buy earthquake insurance?
Typically there’s no required waiting period. In many cases, coverage can start the same day. However, after major quakes, carriers may pause issuing new policies (a moratorium) until the situation stabilizes.
Does earthquake insurance include coverage for breakables?
Many policies include coverage for breakables such as china, porcelain, and crystal, sometimes with limits (for example, up to $50,000 depending on the carrier and form).
What is masonry and veneer coverage?
Some earthquake policies clarify that non-stucco materials (brick, brick veneer, cement, adobe, and similar materials) are covered, and certain carriers offer forms without masonry sub-limits.
Do you offer earthquake insurance coverage for pools?
Pool and spa coverage is commonly handled under “Other Structures.” Some carriers cover pools up to a sublimit (often around $50,000), while others may extend coverage up to the full Other Structures limit—depending on the policy form.
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