Earthquake Insurance Guide for Property Protection (2026)
Understand earthquake insurance: coverage scope, premium cost, deductible, and seismic property protection.
Summary
Earthquake insurance covers seismic damage. This guide explains coverage, costs, and deductible structure.
Key Steps
- 1Understand need: standard home insurance excludes earthquake damage.
- 2Coverage scope: structural damage, contents, additional living expenses.
- 3High deductible: typically 10-20% of coverage amount, not flat fee.
- 4Premium factors: location, building construction, age, retrofitting.
- 5California EQ authority: state-run program in high-risk areas.