California Earthquake Insurance

Disaster Insurance Experts

A Better Way to Buy Earthquake Insurance Earthquake Detected !! Earthquake Detected !!

Earthquake Activity

California experiences approximately 500 earthquakes per year that are large enough to be detected and felt by residents.

Add-on Policies Start at Only $12/month and Up. *

Quotes are Free! Repairs to your home and asset replacement will be considered out of pocket expenses without earthquake insurance.

Compare Basic vs Comprehensive Plans

* Based upon a $500,000 home, 15% deductible, basic plan. Prices may change after review and UW factors and coverage selection.

Find out why we're a leading earthquake authority for residential insurance in California. We offer two type's of earthquake policies, standalone earthquake policies or add-on to your existing homeowners policy. Your standard homeowners insurance policy which most people have does not cover catastrophic risks such as earthquakes or landslides. Available to California owners of homeowners, condo's, and commercial business. Earthquake preparedness is key to home, assets, and family.

Learn More about Home and Condo Earthquake Policies

Purchase Only What You Need
  • Dwelling Coverage Only
  • Dwelling and Personal Property Coverage
  • Dwelling and Loss-of-Use Coverage
  • Dwelling, Personal Property, and Loss-of-Use Coverages
  • Swimming Pool Coverage

Benefit From Lower Deductibles
  • Choose a 2.5%, 5%, 10%, 15%, 20%, or 25% Deductibles. The higher deductible the lower the price.
  • Personal Property Deductible is Wavied if You Meet Your Dwelling Deductible
  • Discounts for Retrofitted Houses

Spend What You Can Afford

Ask us about Flood and Landslide Insurance.

Contact Us Direct

Call us at 1-801-599-8286

[email protected]

Estimate Costs

We Shop Multiple Companies to Get You the Best Rate Possible

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* Recent annual quote based upon $425,000 home. Rates vary per zip code. All companies are A-rated.

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  • Licensed Agents Available to Answer any Questions and Start a Free Quote.
  • Best Rates Available
  • Free Review of Current Policy and Determine Correct Coverage Amount
  • Tips On Earthquake Prepareness
  • Earthquakes Happen Daily, Don't Wait For One That Will Destroy Your Home
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  • Shop Compare Buy

Why You Need Earthquake Insurance

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  • Do You Own a Home in an Earthquake Zone?
  • Would Your Home be Damaged In an Earthquake?
  • Can You Afford to Repair or Rebuild if Damaged?
  • Can You Afford to Live Elsewhere While Being Repaired?
  • Can You Afford to Lose Property Equity Instantly?

If you answered 'Yes' to any of these questions, contact us now and get protected.

Get Started With a Free Earthquake Estimate

Getting Prepared for Earthquakes

If you live in earthquake country, then you know that major earthquakes are capable of destroying thousands of buildings and can be violent enough to kill thousands of people. Learn how to minimize your risk of damage and injury from earthquakes by learning how to prepare your home to protect your family from injury. Just a few steps and precautions to protect your home now can make a drastic difference in your future.

Earthquake Package Options
Coverage Type Basic Protection Comprehensive Protection
Dwelling Damage to the dwelling structure covered up to the Coverage A limit. Includes sublimits and exclusions for some types of property. Same as Basic Protection
Other Structures Damage to appurtenant structures covered up to 10% of the Coverage A limit. Includes sublimits and exclusions for some types of appurtenant structures. Coverage for swimming pools is limited to $3,000. Same as Basic Protection with coverage for swimming pools increased to $25,000.
Personal Property Damage to personal property covered up to 50% of the Coverage A limit. Includes sublimits and exclusions for some types of property. Same as Basic Protection with sublimit coverage increased in several categories.
Loss of Use Loss of Use coverage provided up to 20% of the Coverage A limit or $25,000 whichever is less Loss of Use coverage provided up to 20% of the Coverage A limit or $100,000 whichever is less
Building Code Upgrade Provides coverage for up to $10,000 if the dwelling meets the definition of earthquake hazard reduction. Same as Basic Protection.
Loss Assessment Provides coverage up to $10,000 for loss assessment. Same as Basic Protection.
Deductibles 5%, 7.5%, 10%, 15%, 20% and 25% deductibles available. Deductible applies separately for Coverage A, B, C and E. No deductible for Loss of Use Coverage. Same as Basic Protection.