Earthquake Insurance
Earthquake insurance helps cover the cost of repairing or rebuilding your home and replacing personal belongings after a quake.
Since standard homeowners insurance does not include earthquake coverage, a separate policy is essential for financial protection—especially in high-risk areas like California.
Do I need earthquake insurance?
While it’s not required by law or by most lenders, earthquake coverage is highly recommended if you own a home or property in an area prone to seismic activity.
Without it, you’d be responsible for all repair and rebuilding costs—plus temporary housing—if a major quake makes your home unlivable.
What’s covered
A typical earthquake policy may include:
Dwelling Coverage – Repairs or rebuilds your home.
Personal Property – Covers furniture, electronics, and belongings damaged in a quake.
Loss of Use – Pays for temporary housing or loss of rental income while your home is being repaired.
Building Code Upgrades – Helps cover construction required to meet modern codes after a loss.
Some policies also include options for condo owners (covering interior finishes and personal property) or renters (covering belongings and additional living expenses).
Things to keep in mind
High Deductibles – Usually a percentage (5–25%) of your home’s insured value.
Separate Policy – Earthquake insurance must be purchased on its own or as an endorsement.
Coverage Caps – Some limits may apply to certain personal property or loss-of-use benefits.
How to get earthquake coverage
There are three main ways to obtain protection:
California Earthquake Authority (CEA) – Offered through most major homeowners insurers.
Homeowners Endorsement – A limited add-on offered by select carriers.
Standalone Policy – Broader coverage from independent specialty carriers.
When your homeowners policy renews, you’ll typically receive an earthquake coverage offer—review it carefully, and request a quote to evaluate your risk and budget.
Protect your home before the next quake hits.
Earthquake coverage provides peace of mind—and can mean the difference between recovery and financial hardship.