Insurance Earthquake Insurance Guide for Home Protection (2026)
Understand earthquake insurance: seismic coverage, deductible, California earthquake, and earthquake insurance cost.
Summary
Earthquake insurance is separate from homeowners. This guide explains coverage, deductibles, and California options.
Key Steps
- 1Not in homeowners: standard policies exclude earthquake damage.
- 2Coverage scope: structural damage, contents, additional living expenses.
- 3High deductible: typically 10-15% of coverage amount, not flat fee.
- 4California: CEA (California Earthquake Authority) offers standardized policies.
- 5Risk assessment: consider location, building type, retrofit status.