What is Earthquake Insurance?
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In California, your residential insurance policy doesn’t cover your home or your belongings against earthquakes. If you don’t have earthquake insurance, you’re not covered for earthquake damage or any additional costs needed to live elsewhere while your home is being repaired or rebuilt.
What Is Earthquake Insurance?
Earthquake insurance provides coverage for your home in the event that an earthquake causes damage to it. This type of insurance is separate from standard homeowners or renters insurance.
If an earthquake damages your home and you don’t have earthquake insurance, you’ll most likely end up paying out of pocket to make any necessary repairs. Most standard homeowners insurance policies don’t cover earthquake damage.
What Does Earthquake Insurance Cover?
Exactly what your earthquake insurance covers will depend on your individual policy. In general, though, a typical earthquake insurance policy is comprised of three parts:
Personal property coverage, which helps you pay to replace damaged personal items such as furniture or TVs.
Loss of use coverage, which pays your temporary, additional living expenses if you need to live somewhere else while your home is being repaired.
Dwelling coverage, which helps you pay to repair or rebuild your home.
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