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Don't Make The Mistake of Thinking Earthquake Damage Is Covered By Your Homeowners or Rental Property Insurance.

By August 25, 2014June 8th, 2020Insurance

An earthquake of 6.0 on the Richter Scale was reported in the Bay Area of California, Sunday August 24, by the U.S. Geological Survey.

For our clients in the Bay area that may have suffered damage and need assistance please contact our office at 877-428-8778, so we can provide guidance.

Insurance carriers have placed a moratorium on purchasing Earthquake insurance in the following counties of California: NAPA, SONOMA, MARIN, SOLANO, CONTRA COSTA AND SANFRANCISCO. 

All other counties in California Earthquake Insurance is still available. 

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This recent quake is a reminder that we are in earthquake country and that your standard homeowners , rental property and commercial property insurance policy does not cover earthquake damage.  Even though 90% of homeowners live in seismically active areas, few bother with Earthquake Insurance. That’s a mistake that can cost you everything!

If you are in a sprinklered building it is important to add Earthquake Sprinkler Leakage onto your policy. This will cover your building and or personal property if the fire sprinklers burst during a quake and cause water damage to your building or contents. This coverage is relatively inexpensive and can be added to your commercial property policy

There are several options from a basic earthquake policy that covers the main dwelling to policies that provide much broader coverage for the main dwelling, your personal property, loss of use and other structures ( i.e. walls, pool houses guesthouse, etc.). Coverage is available on your home, rental property and commercial buildings from several insurance carriers.

Rates differ from one carrier to the next. Compare our programs to the CEA’s rate and coverage.

Our carrier’s do not require that your homeowners or rental property insurance be insured with them making it easier to purchase a stand alone earthquake policy.

If you’re interested in a free quote on earthquake insurance contact our office