Earthquake Insurance

If a sizeable earthquake hits your area, could you imagine having tens of thousands of dollars in damages to your home with no one paying you a penny to make the repairs?

While many believe that their homeowner or condo policy covers earthquake damage, this is not the case. Earthquake Insurance is a completely independent insurance policy from Homeowner's Insurance.

In fact, the state of California has made it mandatory that insurance companies offer Earthquake Insurance in conjunction with any homeowner policy.

Our offices represent California Earthquake Authority as well as other top rated independent insurance companies that specialize in Earthquake Insurance for homes, condos, mobile homes and even renters.

Our location in Los Angeles provides us with the knowledge, expertise, and experience to advise you on insuring your home against the risk of earthquakes.

The Northridge Earthquake caused damage to thousands of homes and businesses. Famlies were displaced. Homes were destroyed. Properties costs for repairs were in the millions.

People often talk of the “big one” that will eventually hit California. While you're preparing for the "big one" are you ready for the other earthquakes destined for California?    


Earthquake Facts

  • About 5,000 earthquakes shake the United States each year
  • The 6.7 magnitude earthquake in Northridge killed 57 people and caused $20 billion in damages

  • Since 1900, earthquakes have occurred in 39 states
  • The U.S. experiences only 2% of the world’s earthquakes, but 90% of the population live in seismically active areas
  • Southern California has about 10,000 earthquakes annually 
  • According to the U.S. Geological Survey, there is a 70% probability that one or more damaging earthquakes of magnitude 6.7 or larger may strike California in the next 30 years   


Other Information

  • Earthquake Insurance is typically offered with your homeowner's insurance policy renewal, but it can also be written with independent companies specializing in Earthquake Insurance.
  • Some carriers offer limited Earthquake Coverage as an endorsement rather than offering it as a separate policy.
  • Earthquake Rates are based on a number of factors including rating territory (zip code), insured value of the home, construction type, year of construction, number of stories, additional coverage levels, and deductible. If your dwelling is retrofitted you may be entitled to an additional discount.
  • Coverage options typically include the dwelling, coverage on other structures, personal property coverage, and loss of use coverage. Furthermore, coverage can be bought for commercial properties.

Please visit our Glossary tab for a full list of insurance terms and definitions.

There are many discounts available to help reduce your premium. Please visit our Insurance Discounts page to find out more information on how to maximize your savings.


This page contains only a general description of coverages and is not a contract. Details of coverage or limits may vary in some states and by carrier. All coverages are subject to the terms, provisions, exclusions, endorsements, and conditions in the policy.

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