Homeowners policies exclude earth movement, which is broader than earthquake and takes in landslide and sinkhole as well. Earthquake coverage is bought separately, usually as a California Earthquake Authority policy through your home insurer or from a private earthquake carrier. Insurance Code 10081 requires your home insurer to offer earthquake coverage, and to repeat the offer every other year if you decline. Cost depends on the home’s location, construction and age, and on the deductible you choose. We help you weigh the options before you decide.
Related FAQs
Enough to rebuild the home, which is a different figure from its market value and usually from the purchase price. Market value reflects land, location, and what a buyer ...
No. The FAIR Plan is a separate insurer of last resort. We help clients obtain FAIR Plan coverage and pair it with a DIC policy, but we represent you, not ...
No. Both are excluded from standard California homeowners policies and are written separately. Earthquake is bought as its own policy or endorsement, and the deductible is typically a percentage ...
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