Earthquake insurance is typically not covered under regular homeowner’s insurance. It’s an extra cost but if you can afford to pay, it may be worthwhile to protect yourself, especially living in California where we’ve been waiting for the “big one” for years. If you do decide to protect yourself by purchasing earthquake insurance, it’s also important to take extra caution to make sure you are purchasing a worthwhile product. Always remember to size up your risk, analyze the cost, shop around, and don’t forget to read the fine print. Earthquake insurance isn’t for everyone but if you can afford it, especially in CA, it may be worth the cost to protect one of your biggest investments.
If you do decide to purchase earthquake insurance, we recommend Earthquake Authority. They have a program that makes the cost of earthquake insurance a no-brainer.