Earthquake Insurance

Get added protection for your home to cover loss and damage.

Get an earthquake insurance quote today

If you live in a seismically active area, your home may not be covered if an earthquake strikes. Earthquake insurance is designed to supplement your homeowners insurance to cover losses and damage caused by earthquakes.

We have partnered with GeoVera to provide earthquake insurance in California, Oregon, and Washington. If you live in a different state, please call us to discuss your options.

Why get earthquake insurance?

Your homeowners insurance excludes coverage for losses due to earthquakes. Not having earthquake insurance creates a severe gap in coverage. Without this additional coverage, you will have to pay out of pocket for repairs and rebuilding, the cost of living elsewhere until your home is fixed, and the cost of replacing your belongings. These costs can add up to a significant amount and become a financial burden.

An earthquake can happen at any moment, and the occurrence of earthquakes is on the rise. Don’t wait until after an earthquake to protect your financial wellbeing. Earthquake insurance helps you avoid dipping into your savings and your retirement by giving you the coverage you need to recover after an earthquake.

Is earthquake insurance worth it?

  • Earthquake coverage gives you the peace of mind knowing you can financially cover losses and damage
  • Policies are designed to fit your needs and budget with affordable options

Who needs earthquake insurance?

  • Anyone living in a seismically active area
  • Homeowners and renters
  • Anyone living in California, Oregon, and Washington who wants to protect their home and belongings

I'm a renter. Do I need earthquake insurance?

  • Your renters insurance policy does not cover damage caused by earthquakes
  • Earthquake insurance protects your belongings and covers cost of living expenses while repairs are made

How much coverage do I need?

The amount of coverage needed depends on your personal financial situation, your risk tolerance, and other factors. Your earthquake insurance policy can be tailored to fit your specific needs.

Consider getting a policy that covers the rebuilding of your home at full replacement and rebuilding cost at a minimum. This amount may vary depending on any updates you've made to your home and the location in which you live.

What does earthquake insurance cover?


Residential earthquake coverage protects the structure and attached features of your home.

Other Structures

External structures not attached to your home, like a detached garage or fence, can be included.


Coverage can protect your personal belongings inside of your home.

Loss of Use

In the event that your home is uninhabitable after an earthquake, we cover your additional living expenses, like housing.

Loss Assessment

Loss Assessment coverage will provide protection if you're responsible for a portion of damage or loss in a common area shared with other property owners.

Building Code Upgrade

We offer coverage for the building code upgrades you need to get a reconstruction permit when rebuilding after an earthquake.

Ready to get a quote?

You can quickly and easily get a quote online, or you can call us at 1.877.652.2638.