Our superior products offer the protection you are looking for at competitive prices.

 

Our Comprehensive residential earthquake policy is a unique insurance product that offers broad protection for the dwelling, other structures, contents, and additional living expense.

 

Our Standard residential earthquake policy is designed to provide protection for the dwelling, with limited coverage for contents and additional living expense. The Standard policy can provide substantial premium savings over similar coverage offered by other insurance companies.

 

Both the Comprehensive policy and Standard policy are offered as a combined single limit of coverage with 10%* - 25% deductible options based on location.

 

Whichever policy you choose, you can be confident knowing you have superior protection from a leading residential earthquake insurer.

 

Combined Single Limit of Coverage

Dwelling: including the tile, granite or marble flooring and countertops, wall coverings, stained glass

Other Structures: detached garage or other detached structures - including satellite dishes, light posts, BBQ’s, playground equipment, greenhouses

Personal Property: including jewelry, fine arts, silverware, musical instruments, personal computer equipment, sporting goods

Loss of Use: Additional Living Expense/Fair Rental Value - up to 12 months

Engineering & Demolition Costs: 5%

Building Code Upgrade: $10,000

Loss Assessment: 20%

Debris Removal: included in Coverage A*
*Sub-limit of 5% Combined Single Limit in Oregon 

 

Combined Single Limit of Coverage

Dwelling: including the tile, granite or marble flooring and countertops, wall coverings, stained glass

Other Structures: No Coverage

Personal Property: $5,000 maximum including jewelry, fine arts, silverware, musical instruments, personal computer equipment, sporting goods

Loss of Use: Additional Living Expense/Fair Rental Value. $1,500 max.

Engineering & Demolition Costs: 5% 

Building Code Upgrade: $10,000

Loss Assessment: 20%

Debris Removal: included in Coverage A*
*Sub-limit of 5% Combined Single Limit in Oregon

 

Chimneys, fireplaces, masonry veneers: $5,000

Swimming pools, spas, pool decking: $3,000

Fences: $3,000 

Retaining walls: $3,000 

Detached walkways, patios: $3,000

Paintings, antiques: $3,000

Special Limits-Standard Coverage

Chimneys, fireplaces, masonry veneers: $5,000

Swimming pools: No Coverage

Fences: No Coverage

Retaining walls: No Coverage

Detached walkways, patios: No Coverage

Paintings, antiques: $3,000 

 

10%* - 25%

*10% deductible available in some locations