Earthquake Insurance

Even though we live in the most earthquake prone state in the nation, a shockingly low amount of homeowners have California earthquake insurance.

Some estimates put the number as low as 14%!

What we know though, as insurance professionals, is that reimbursement from an earthquake policy may mean the difference between despair and hope for many families after the "big one."

After Hurricane Katrina, the unprecedented flooding in the Midwest, and devastating tornadoes all around the country, how can we possibly rely on FEMA to help us rebuild our homes and our lives?

If the horrendous events in Japan have taught us anything, earthquakes can strike anywhere, anytime, and without prior warning – and your best bet is to make sure that you and your family are prepared in case an earthquake happens.

Disaster preparedness starts with education:

  • Make sure that your family, and especially your children, know where to go should an earthquake occur. The best bet may be to “Duck and Cover” under a sturdy, heavy piece of furniture.
  • Be patient and wait in your hiding place for several minutes after an earthquake, since aftershocks may occur.
  • Teach your children that it’s OK to stay at school or daycare, after an earthquake strikes, and that you will pick them up as soon as it’s safe.
  • Have one or more disaster kits ready in your home, car, and in a safe place outside your home. To learn what should be included, visit or
  • In your home, securely fasten shelves and furniture to walls, store large or heavy things on lower shelves, and learn how to turn off gas and water lines if necessary. (To turn your gas line back on, you need to contact the responsible
  • If your home was built before 1980 there is a chance that it may not be “retrofitted”, i.e. your foundation may not be bolted. In case of a quake this may cause even more damage to your house. Call us for more information on how to get your home prepared for an earthquake.
  • Keep in mind that a standard homeowners policy does NOT cover any damage caused by an Earthquake. If you would like to insure your home for earthquake damage, we can help! We offer unique stand‐alone earthquake insurance coverage that supplements your homeowners policy.

Simply enter your zip code at the top of this page to request an earthquake insurance quote now and we'll get started finding you the perfect earthquake policy today.