Does It Cost Less to Buy Earthquake Insurance Direct from the Company or Through Earthquake Agent?

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March 11, 2025

Many homeowners shopping for earthquake insurance ask the same question:
“Will I save money by buying directly from the insurance company instead of using an agent?”

The simple answer? No.

Whether you buy your earthquake insurance directly from the insurance company or through Earthquake Agent, the premium is exactly the same—you won’t pay a penny more.

However, while the cost stays the same, the benefits of working with an agent can make a huge difference. Let’s break it down.

Does Buying Direct Save You Money?

Some earthquake insurance companies offer direct-to-consumer policies, while others only sell through agents. But regardless of how you buy, the premium remains the same.

🚫 No Extra Fees: Earthquake Agent does not charge any additional fees for residential earthquake insurance policies.
💰 Same Price, More Value: You pay the exact same premium, but with added benefits when working with an agent.

The Advantage of Using Earthquake Agent

If the cost is identical, why should you work with an agent instead of buying direct? Here’s what you gain:

1. Customized Coverage That Fits Your Needs

Most homeowners don’t know the best way to structure their earthquake insurance policy. An agent helps you:
✔️ Choose the right dwelling coverage (so you’re not underinsured or overpaying)
✔️ Select the best deductible for your financial situation
✔️ Add or adjust optional coverages like personal property and loss of use

Buying direct means you’re on your own to figure out what’s best, which can lead to costly mistakes.

2. Unbiased Choice Between Insurance Companies

When you buy direct, you’re limited to one company’s options—but not all policies are the same!

Earthquake Agent provides:
✅ Multiple carrier comparisons so you can choose the best price and coverage
✅ Unbiased advice that puts your needs first, not just one insurer’s products

3. Personalized Support & Claims Assistance

The biggest advantage of working with Earthquake Agent? Support during the claims process.

🚨 In the event of a major earthquake, insurance call centers will be overwhelmed.

With an agent, you don’t have to go through this alone. We walk you through the claims process step by step, making sure you get the help you need when it matters most.

The Bottom Line: Same Price, More Support

Whether you buy direct or through Earthquake Agent, you’ll pay the same premium. The difference?

✔️ Expert guidance to ensure the best policy for your needs
✔️ Customized coverage options to avoid gaps in protection
✔️ Access to multiple carriers for unbiased choice
✔️ Dedicated claims support when disaster strikes

📢 Want expert help with your earthquake insurance—at no extra cost?
Get a free quote today at 👉 EarthquakeAgent.com