Earthquake Insurance
Earthquake insurance helps cover the cost of repairing or rebuilding your home—and replacing belongings—after a quake.
Because standard homeowners insurance does not include earthquake coverage, a separate policy is essential for financial protection in high-risk areas like California.
Do I need earthquake insurance?
Earthquake coverage isn’t required by law or most lenders—but it’s strongly recommended for homeowners in seismic regions.
Without it, you’re responsible for all repair and rebuilding costs, plus temporary housing, if a major quake makes your home unlivable.
Things to keep in mind
High deductibles – Typically 5–25% of your home’s insured value
Separate policy – Earthquake coverage is typically not included in homeowners insurance
Coverage limits – Some caps may apply to personal property or loss-of-use benefits
What’s covered
A typical earthquake policy may include:
Dwelling Coverage – Repairs or rebuilds your home
Personal Property – Covers furniture, electronics, and belongings
Loss of Use – Pays for temporary housing or lost rental income
Building Code Upgrades – Helps cover required construction updates after a loss
Coverage options vary by policy and carrier.
How to get earthquake coverage
There are three primary ways to obtain protection:
California Earthquake Authority (CEA)
Offered through most major homeowners insurersHomeowners endorsement
A limited add-on available from select carriersStandalone policy
Broader coverage from specialty insurers
When your homeowners policy renews, you’ll typically receive an earthquake offer—review it carefully and request a quote to compare options.
Protect your home before the next quake hits.
Earthquake coverage can mean the difference between recovery and financial hardship.