Dwelling Coverage
Helps protect the structure of your home if it is damaged by an earthquake.
Earthquake Insurance
Earthquake Insurance for California Homeowners
Compare earthquake insurance options for your home with help from an independent insurance agency.
Why It Matters
Home insurance usually does not cover earthquake damage.
Personal Property
Coverage may be available for belongings damaged by earthquake shaking.
Loss of Use
Can help with temporary living expenses if your home is not livable after a covered earthquake.
Independent Advice
We help you compare earthquake coverage options.
Earthquake insurance can be confusing because deductibles, coverage limits, exclusions, and carrier options can vary. Calico helps you review available options so you can make a more informed decision.
Common questions we help with:
- How much earthquake coverage do I need?
- What deductible should I choose?
- Should I match my home insurance dwelling limit?
- What is covered and what is excluded?
- Can I compare private earthquake insurance options?
How It Works
Simple quote process
1. Tell us about your home
Start with your property address and basic coverage details.
2. We review options
We look at available earthquake insurance options based on your property and location.
3. Choose your coverage
We help explain the quote so you understand the coverage before deciding.
Related Coverage
Other insurance options
FAQ
Earthquake Insurance Questions
Is earthquake insurance included in home insurance?
Usually no. Standard homeowners insurance generally does not cover earthquake damage.
Do I need earthquake insurance in California?
It depends on your home, location, equity, financial risk, and comfort with a large out-of-pocket loss.
Can I buy earthquake insurance separately?
Yes. Earthquake coverage is often purchased separately from standard homeowners insurance.
What information is needed for a quote?
Usually the property address, dwelling coverage amount, current home insurance carrier, and contact information.
Ready to compare earthquake insurance?
Start online or call Calico Insurance Services.