Earthquake Insurance in California
California is one of the most seismically active regions in the world, making earthquake insurance an important consideration for homeowners and property owners across the state. From El Dorado Hills to the Bay Area and Southern California, active fault lines run beneath many communities. American Diversified Insurance Services, Inc. helps California residents understand their earthquake risk and explore coverage options designed to protect against costly earthquake damage.
Earthquakes have shaped California’s history for more than 250 years. Major events such as the 1857 Fort Tejon earthquake, the 1906 San Francisco earthquake, the 1989 Loma Prieta earthquake, and the 1994 Northridge earthquake caused widespread damage, loss of life, and major changes to building codes throughout the state. These events serve as reminders that earthquakes can occur with little warning and affect both urban and suburban communities across California.
Why Earthquake Insurance Matters
Standard homeowners' insurance policies do not cover damage caused by earthquakes or earth movement. Without separate earthquake coverage, homeowners are often left responsible for repairs to foundations, walls, chimneys, and other structural components after a quake. Earthquake insurance can also help cover damage to personal belongings and provide additional living expenses if your home becomes temporarily uninhabitable.
California sits along the San Andreas Fault system and hundreds of other active faults. Scientists estimate there is a high probability of a magnitude 6.7 or greater earthquake occurring in California within the next several decades. Even areas that have not experienced recent major earthquakes remain at risk due to previously unknown or inactive fault lines.
Earthquake Insurance Options in California
Earthquake insurance is commonly offered through the California Earthquake Authority and participating insurance companies. Policies typically include coverage for the dwelling, personal property, and loss of use, with deductibles based on a percentage of the insured value. Coverage options and costs can vary based on location, construction type, and age of the home.
Prepare for the unexpected. Contact our team today to discuss earthquake insurance options for your California home. For personal auto or home insurance, you can also use our online quoting tool to get started.
