Earthquake Insurance Insurance
Earthquake insurance covers physical damage to your home and belongings caused by earthquake shaking, plus additional living expenses if your home is too damaged to occupy. Standard homeowners and condo policies universally exclude earthquake damage — the 'earth movement' exclusion is explicit. In C…
Key Coverages for Earthquake Insurance Businesses
- Dwelling coverage — structural damage from earthquake shaking
- Personal property — furniture, electronics, and belongings
- Additional living expenses during home repair
- Building code upgrade coverage (some policies)
- Emergency repair costs after an earthquake
- Condo unit coverage for HO-6 policyholders
Frequently Asked Questions
Does my homeowners insurance cover earthquake damage?
No. Standard homeowners, condo, and renters policies exclude earthquake damage under the 'earth movement' exclusion. Even very costly earthquake damage is completely uncovered by your homeowners policy without a separate earthquake endorsement or sta…
What is the California Earthquake Authority?
The CEA is a publicly managed, privately funded insurer providing residential earthquake coverage in California through participating companies. It was created after the 1994 Northridge earthquake when many admitted insurers stopped writing earthquak…