Standard homeowners insurance doesn't cover earthquake damage. Get comprehensive protection for your property, belongings, and peace of mind with specialized earthquake insurance.
Most California homeowners mistakenly believe their standard home insurance policy covers earthquake damage. It doesn't. Earthquake insurance is a separate policy that must be purchased to protect your home and belongings from seismic events.
California sits on major fault lines, making earthquake insurance not just recommended—it's essential for protecting your investment. Pacific Haven Insurance specializes in helping Bay Area homeowners secure comprehensive earthquake coverage.
Earthquake insurance is a specialized policy that covers damage to your home and property caused by earthquakes and related seismic activity. Unlike standard homeowners insurance, it specifically protects against:
California experiences more earthquakes than any other state. The San Andreas Fault runs through much of California, and the Bay Area faces particular risk from multiple fault lines including the Hayward Fault, which scientists predict has a high probability of a major earthquake in the coming decades.
Without earthquake insurance, you would be personally responsible for all repair costs, potentially facing hundreds of thousands of dollars in out-of-pocket expenses.
Comprehensive earthquake insurance protects multiple aspects of your property. Here's what damage is typically covered under a California earthquake insurance policy.
Understanding what your standard homeowners insurance does and doesn't cover is crucial for California residents. Most homeowners are shocked to learn about these exclusions.
The Golden State faces earthquake threats from multiple major fault systems. Understanding your regional risk helps you make informed decisions about coverage levels and deductibles.
High risk from Hayward, San Andreas, and Calaveras faults. Scientists estimate a 72% chance of a magnitude 6.7+ earthquake by 2043.
Multiple active faults including San Andreas and Newport-Inglewood. Dense urban development increases potential damage costs significantly.
San Andreas Fault runs directly through this region. Historical quakes and ongoing seismic activity make coverage essential.
While less frequent, earthquakes here can cause severe damage due to soft soil conditions and older building construction.
Most earthquake insurance in California is provided through the California Earthquake Authority, a publicly managed, privately funded organization created by the state legislature in 1996.
CEA policies offer standardized coverage options with flexible deductibles ranging from 5% to 25% of your dwelling coverage. Pacific Haven Insurance works with CEA and other providers to find the best coverage for your needs and budget.
Earthquake insurance is more affordable than many California residents think, especially when you consider the potential costs of uninsured damage. Here are ways to reduce your premiums.
Homes with foundation bolting, cripple wall bracing, or other seismic upgrades often qualify for premium discounts of 10-20%.
Choosing a higher deductible (15% or 25%) significantly lowers your premium while still protecting against catastrophic losses.
Many insurers offer discounts when you bundle earthquake coverage with your homeowners or auto insurance policies.
Buying coverage before increased seismic activity or new risk assessments can lock in lower rates. Don't wait until after a major event.
Newer homes or those with recent structural upgrades often qualify for better rates due to improved earthquake resistance.
Working with an independent agent like Pacific Haven Insurance helps you compare multiple providers to find the best value.
Contact us via phone or fill out our simple online form to get started.
Our agent will discuss your property details, location, and earthquake risk factors.
We'll present multiple coverage options and deductible choices that fit your budget.
We'll tailor coverage amounts and optional protections to your specific needs.
Enjoy peace of mind knowing your home is protected from California earthquakes.
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