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Earthquake insurance to suit your needs

Earthquake Insurance

Our Stand-alone Earthquake Line is one of a kind and tailored for your needs. There are 2 packages to choose from and is available for owner occupied homes, condos and tenant occupied dwellings.

Basic Earthquake Package

Protection just for the dwelling for half the cost. If you don’t think you need out building, personal property and loss of use coverage, you will love our basic package with 2 deductible options:

  • 5% Deductible excludes masonry/masonry veneer
  • 10% includes brick veneer

Standard Earthquake Package

This package includes personal property and loss of use. It is customizable to meet your specific needs.

Package includes:

  • Dwelling
  • Personal property (30% of dwelling amount)
    • Can increase up to 50% of dwelling amount.
  • Loss of Use (10% of dwelling amount)
    • Can increase up to 20% of dwelling amount
  • Choose deductible
    • 5% Deductible excludes masonry/masonry veneer
    • 10% includes brick veneer

Optional Earthquake Coverages

Personal Property

Increase up to 50% of dwelling limit.

Loss of Use

Increase up to 20% of dwelling limit.

Other Structures

Add coverage for detached structures up to $100,000 in value.

Building Code Upgrades

Add coverage up to $50,000.

Earthquake Loss Assessment

Unique coverage for condo owners. Provides coverage when the condo association assesses condo owner an amount to help rebuild structures not covered on the master policy. can add up to $250,000 limit.