Coverage
Residential Earthquake Insurance
Residential Earthquake Insurance provides stand-alone coverage for earthquake damage to your home, personal property, and additional living expenses. Standard homeowners policies do not cover earthquake damage, making this separate policy essential for homeowners in seismically active areas. Our pro…
Who Needs This Coverage
- Homeowners in earthquake-prone regions (California, Nevada, Pacific Northwest)
- Condo and townhome owners in seismic zones
- Owners of rental/investment properties
- Mortgage lenders may require coverage in high-risk areas
- Anyone within proximity to active fault lines
What's Covered
- Dwelling coverage up to $15 million insured value
- Masonry veneer and chimney coverage (no sub-limits)
- Building ordinance or law coverage (up to 10%)
- Other structures coverage (pools, retaining walls, fences)
- Personal property coverage (crystal, jewelry, fine arts)
- Loss of use/additional living expenses