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Personal coverage

Earthquake Insurance

Standard homeowners and renters policies in California specifically exclude earthquake damage, meaning a serious quake could leave you paying to rebuild without any insurance help at all. Given that California sits on active fault lines and a major event can cause catastrophic structural loss, a separate earthquake policy is often the only thing standing between a homeowner and financial ruin.

Discuss Earthquake Options Schedule Consultation

Who this coverage is for

This is for California homeowners, condo owners, and renters who want to be protected when the ground shakes, not just hope for the best. It is important because earthquake damage is not covered by standard home, condo, or renters policies, no matter how comprehensive they seem.

What it can help protect

Earthquake insurance addresses the specific costs of a quake:

  • Your home's structure — repairs or rebuilding after earthquake damage to the building.
  • Your belongings — furniture and personal items broken or destroyed by the shaking.
  • Extra living costs — temporary housing while your home is repaired or rebuilt.
  • Emergency repairs — certain costs to make the home safe or prevent further damage.
Regularly misunderstood coverages
Earthquake vs. Homeowners

Why your home policy won't pay for a quake.

Key choices and underwriting factors

A licensed review will usually focus on property age, construction type, and retrofits, deductible strategy, and portfolio-level planning for multiple properties.

Common Questions