California Earthquake Insurance

Earthquake Insurance Quote Request
California Earthquake Insurance

At Su Casa Valley Insurance, we can protect your California property with earthquake coverage. We realize that earthquake insurance is necessary in California, so we will shop multiple companies to find the policy best suited to your needs.

Owning a home in California, it is important to protect your property from any damage that may occur as a result of an earthquake. Damage from an earthquake can result in thousands of dollars in damage & most homeowners policies don't cover earthquake damage. At Su Casa Valley Insurance, we can find the right combination of coverage and price.

Coverages for earthquake insurance in California

  • Home coverage - covering damage to your home
  • Living expense - if your home is considered unlivable after a quake
  • Personal property - if your possessions are damaged in the event of an earthquake
  • And more...

Let one of our California earthquake specialists shop our many earthquake insurance companies to find you the right policy - just fill out our short quote form or call us at (559) 328-5999, and we'll contact you shortly.

On Shaky Ground: Why Earthquake Insurance is a Necessity

Those of us who live in California enjoy a lot of perks - miles of beautiful coastline, generally gorgeous weather, amazing food, vineyards, the Dodgers. However... all of us in this Golden State do live under the constant threat of the earth moving violently underneath our feet, and not in the charming Carole King way, either.
We're talking about earthquakes. We don't need Hollywood to detail the devastation they can bring to the state, as The Rock so ably did in San Andreas. We all live under the threat, and the reminders are constant.
If you're a homeowner in California, the threat that an earthquake can pose to your home is something that needs to be at the top of your mind. Our unique geography and location makes it an absolute necessity. Even a mild or moderate earthquake can be absolutely devastating to your home. Let's go over some of the facts:
That may sound like dire stuff, but it's information that all California homeowners need to be aware of. The threat is real, and there's no hiding from it.
Since there's no way to stop an earthquake, California homeowners must thus prepare for the possibility of one. One of the best ways that they can do this is to protect their investment in their home with earthquake insurance. For homeowners in California, earthquake insurance should be as essential to their lives as auto insurance is. After all, your home is where you put an enormous amount of money, time, effort, and memories into - it deserves to be protected and insured against one of these "acts of God" that can potentially strike anytime and anywhere.
The best insurance option is earthquake insurance - and, shockingly enough, a great deal of basic homeowners insurance plans don't actually include this type of coverage. For those homeowners in California who don't have this type of coverage within their plans, the consequences can be completely devastating - both financially and emotionally.
Su Casa Valley insurance can help. Our trained and experienced team of professionals can offer the peace-of-mind necessary for any California homeowner concerned about the threat that earthquakes can provide. The Su Casa Valley team can get to work and offer you an insurance quote for:
  • Home coverage, which covers the potential damage to your home
  • Living expenses, which covers the cost of living if a home is considered "unlivable" after an earthquake
  • Personal property, which can replace the cost of damaged possessions if and when an earthquake hits
  • Other options for coverage
Interested in adding this essential piece of coverage for your home? Visit our website at www.sucasavalleyins.com to see how we can help.
 

California Earthquake Insurance Covers More Than You Might Realize

California — the Golden State, the Land of Milk and Honey, or the place where all of your dreams come true. No matter what you imagine when you think of California, there's a reason why millions of people move here each year. You have the beaches, the mountains, the desert, a diverse culture, technology, movies and some of the best food in the country.
Living in California has its risks, though, and we are talking about earthquakes specifically. According to the USGS earthquake facts:
Each year the Southern California area has about 10,000 earthquakes. Most of them are so small that they are not felt. Only several hundred are greater than magnitude 3.0, and only about 15-20 are greater than magnitude 4.0. If there is a large earthquake, however, the aftershock sequence will produce many more earthquakes of all magnitudes for many months.
An earthquake can happen anywhere, but the risk of earthquakes in California is much greater than in many other parts of the world, because Southern California has over 300 active faults, and these can cause earthquakes. While you may not even feel the smaller quakes, the risk is always there that somewhere in California will experience a larger one that does significant damage. Even smaller damage to a home is a hassle and can be expensive when you have to pay for it out of your own pocket.

Coverage for Homeowners

Homeowners living in California should have earthquake insurance for a number of reasons, and it covers more than you might realize. Here are a few of the coverage areas to expect with earthquake insurance:

Home Coverage

This is what will cover potential damage to your home, which can be expensive after an earthquake — even a smaller one.

Living Expenses

An aspect some do not consider is where they will live if their home is uninhabitable after an earthquake. Living expenses coverage ensures that you are taken care of for the cost of living if your home is damaged or unlivable.

Personal Property

Even if you have only minor damage to your home's structure, you may have a loss of personal property. From furniture to computers, your personal property needs coverage from earthquakes so you do not take an out-of-pocket loss.

Additional Coverage

There are also extra riders you can add to your earthquake insurance, such as breakables coverage for china and crystal objects, or additional coverage for expensive electronics, jewelry, furs or anything not typically covered in the main policy.

Mitigating Risk

The California Earthquake Authority gives homeowners discounts on their policies when they retrofit their older homes to better fit current earthquake standards.

We Have You Covered

Here at Su Casa Valley Insurance, we know the risks of earthquakes in California and how important it is to have peace of mind and protection if the worst happens. Keep in mind that, typically, your homeowners insurance does not protect your house from the damage an earthquake causes — even if the damage is indirect — other than fire damage.
Call us today at (559) 328-5999 so we can give you a quote that is customized to fit your needs. Our personal and professional team is here to help you get the policy you need at a price you can afford.