What are some good earthquake insurance policies?


Quick Answer

Some good earthquake insurance policies include the CEA Earthquake Insurance Policies from California Rocks, the Earthquake Homeowner Insurance from ICAT, and the earthquake insurance policies from GeoVera. Earthquake insurance allows individuals to get their home repaired or rebuilt when it suffers damage due to an earthquake, according to California Rocks.

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Full Answer

The CEA Earthquake Insurance Policies from California Rocks include protection for homeowners, mobile homeowners, condo owners and renters. The Standard Homeowners Policy includes coverage for dwelling, personal property, loss of use and additional living expenses. Moreover, the policy includes coverage for building code upgrades and emergency repairs. Those who are looking for even more protection can opt for the CEA Homeowners Choice, which allows individuals to manage their premiums and choose coverage options that suit their particular needs.

The ICAT Earthquake Homeowner Insurance allows individuals to select limits for their personal property, primary residence and living expenses. The policy includes separate deductibles and limits for various lines of coverage. Enhanced coverage for valuables and pools is also available. ICAT offers a dedicated claims management service and lower deductibles. GeoVera Insurance offers policies for California, Oregon and Washington.

Earthquake insurance policies are generally more expensive than regular homeowners insurance because they feature higher deductibles in the event an entire property is destroyed, states EQHomeowner.com. Most insurance companies offer online calculators that allow individuals to get a quick quote for their property.

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