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What is earthquake insurance?
A standard homeowners insurance policy excludes coverage from earthquakes, which leaves a gap in homeowners insurance coverage. Earthquake insurance provides coverage for some of the losses and damage that earthquakes can cause to your home and belongings.
GEICO Insurance Agency is offering the ability to purchase earthquake insurance in California, Oregon and Washington through our insurance partner, Arrowhead. Get your free earthquake insurance quote today. For all other states, please contact us to discuss your options.
Is earthquake insurance worth it?
Earthquakes can occur at any time and may cause a great deal of damage to your home. If your homeowners insurance doesn't cover earthquake damages, then you will have to pay the repair costs as well as the cost of living elsewhere while rebuilding your home. These costs can be significant and a financial burden to your family. Don't wait until after an earthquake to buy insurance - get a quote for earthquake insurance now!
How much does earthquake insurance cost?
The cost of the policy depends on may factors such as the location of your home, the cost to rebuild, type of construction, the coverage selected, and the deductible.
What does earthquake insurance cover?
Earthquake insurance coverages can be tailored and purchased to meet your specified needs! The common coverages available include:
- Dwelling other structures (driveways, walkways, retaining walls, swimming pools, etc.)
- Personal property
- Loss of use (which are additional living expenses if you must live elsewhere while your home is being repaired/rebuilt)
- Loss assessment from a community association.
Why do I need earthquake insurance if I don't live near a fault line?
Earthquakes can have an impact far beyond major fault lines. According to the Insurance Information Institute, there are 42 states considered at-risk from earthquakes. While it is uncertain if or when an earthquake will occur, consider your financial ability to pay for the cost of rebuilding your home and replacing your belongings without insurance. Is the risk worth the investment you have made in your home and personal belongings?
Have more questions?
Where can I learn more about earthquake insurance?Visit Arrowhead General Insurance Agency for more information about earthquake insurance to learn more about topics such as insurance deductible, discounts, and retrofitting.
How much coverage do I need?This is an individual choice based on your risk tolerance, budget and other considerations. Coverages can be tailored and purchased to meet your specific needs. At a minimum, you should consider coverage to rebuild your home/dwelling structure at full replacement/rebuilding cost. This amount will vary by location as well as the building features and materials of your home. Typically, this amount should match the dwelling limit in your homeowners/fire insurance policy or higher to account for any increases in building costs after a catastrophic earthquake event.
Should I get earthquake insurance if I am renting?Earthquakes and other kinds of damage related to "earth movement" are generally not covered by a regular renters insurance policy. Earthquake insurance for renters is a safe way to protect your belongings and cover the cost of living elsewhere if your rental is damaged and needs repairs after a quake.
Need to speak to a representative?
You can reach the sales team at (800) 841-2964.
Mon – Fri7:00 AM – 1:00 AM (ET)
Sat – Sun8:00 AM – 10:30 PM (ET)