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Earthquake Insurance

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Earthquake Insurance Provided By Our Agency

While you can't plan for earthquakes, you can be prepared, which can make all the difference. Earthquake coverage can help cover your finances if something happens to your home, condo, or rental unit. Because damage from earthquakes isn't typically covered under standard homeowners, condo, or renters policies, it's vital to get coverage even if you're not living in California or Hawaii.

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Personal Property
Additional Living Expenses
Cherished Salvage
Automotive tools coverage

Dwelling coverage

Risk Factors

Earthquake can damage your home and the internal structure of your home. If you don’t have coverage, you need to pay for repairs from your own pockets.


This coverage accounts for the rebuild or repair cost of the home and other structures on the property in the event of earthquake damages.

Personal property coverage

Risk Factors

Earthquake can cause damage to your interior furniture & fixtures and you are bound to pay for their replacement.


If your personal property, like furniture, electronics or other valuables are damaged in an earthquake, this has you covered up to certain limits.

Additional living expenses coverage

Risk Factors

By the time your house is under repair, you need another house to stay or you need to stay in a hotel. If you don’t have enough coverage, you would need to pay the accommodation expenses all by yourself.


This coverage pays additional living expense costs needed if you are required to live elsewhere temporarily due to earthquake damage to your home.

Cherished salvage coverage

Risk Factors

Your classic vehicle is totaled by a problem that’s covered by the policy (like a car accident or flood) and damages your vehicle.


With this coverage, you’ll have the right to keep the salvaged car and still get a pay-out from the car insurance company (minus your deductible).

Automotive tools coverage

Risk Factors

You take your classic car to the service station and they ask you to replace some damaged spare parts with the new ones.


This covers spare parts and personal tools used to maintain or restore your classic car. Some auto insurance companies might cover spare parts even if they are not intended for the vehicle on the policy.

What is Earthquake Insurance?

Earthquake insurance protects your home, personal items, and additional living expenses if you are required to move due to an earthquake. Unfortunately, most standard homeowners and renters insurance policies exclude earthquake coverage. However, you can add it as an endorsement to an existing homeowners insurance policy or purchase it as a new one.

What is covered under Earthquake Insurance?

Standard homeowners insurance policies generally don’t cover damage from earthquakes and floods. That’s why people buy separate earthquake or flood insurance if they live in an area prone to those disasters. Here are some things covered by earthquake insurance once you’ve paid your earthquake deductible:
  • Earthquake damage to the home or other structures on the property
  • Earthquake damage done to personal property
  • Additional living expenses if earthquake damages make your home temporarily uninhabitable

Why is Earthquake Insurance important?

Earthquake insurance is worth it if you live in a high-risk area.
  • Earthquake insurance is not included in standard homeowners insurance but must be purchased as a separate rider.
  • States near fault lines (California, Alaska, Oklahoma, etc.) are more likely to experience earthquakes.
  • You should consider purchasing earthquake insurance if you live near a fault line or high-risk area.

We don't think the unthinkable will happen until it does. But the essence of insurance is to help us prepare for the unthinkable and lower our losses' financial burden. Earthquake insurance is no exception. Adding an earthquake endorsement to your homeowner's insurance policy will help to protect you from minor or catastrophic losses resulting from an earthquake. If you live near an active fault line or in a high or moderate-risk area, earthquake insurance may be essential to your peace of mind.

Call us now to learn more about Earthquake Insurance.

Already have Earthquake Insurance? Switching is easy

It might be time to switch insurers whenever the service that your existing insurer provides doesn’t meet your needs. For example, if you have a poor claims experience or an unexplained rate increase, it might be time to consider other options

If you cancel a previous policy before a new policy is effective, you could run into some serious financial problems.

Contact us today to help you with multiple options to choose from.
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