Earthquake Insurance

An earthquake can be financially devastating to a homeowner. Although earthquakes are a  real and present danger in California, they are typically not covered by a homeowners insurance policy. Our main earthquake carrier, GeoVera, has a stand-alone residential earthquake insurance policy will give you the peace of mind and security you deserve.

Earthquake Insurance Coverage

You can protect your home with the Comprehensive earthquake insurance policy or Standard earthquake insurance policy. These are unique stand-alone earthquake insurance products that offer broad protection for one of nature’s most costly and destructive natural forces.

Comprehensive Earthquake Insurance Policy

GeoVera’s Comprehensive earthquake insurance policy offers broad protection for your dwelling, other structures, personal property and additional living expenses. The Comprehensive earthquake insurance policy comes with a 10% deductible*, which is lower than the deductibles offered on most earthquake insurance policies.

Standard Earthquake Insurance Policy

GeoVera’s Standard earthquake insurance policy** is designed to provide protection for the dwelling with limited coverage for your personal possessions and additional living expenses. The policy comes with a 15% deductible and can provide substantial premium savings over similar earthquake coverage offered by other insurance companies.

How much earthquake insurance do I need?

Both the Comprehensive and Standard earthquake insurance policies are offered as a single limit of coverage with 10% – 25%* deductible options based on location. To determine the minimum amount of earthquake insurance you should consider, GeoVera estimates what it may cost to rebuild your home after an earthquake. Additionally, costs are estimated for other structures, contents and loss of use.