Auto Insurance
Liability, collision and comprehensive cover for the cars on your driveway.
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Earthquake Insurance
Structural cover for shake damage, with a deductible set as a percentage.
What this cover does
Earthquake is excluded from standard property policies. Cover is written as a standalone policy or an endorsement, and the deductible is a percentage of the dwelling limit rather than a flat figure — so the amount you carry yourself scales with the value of the house.
Typically included
- Dwelling and structural damage from earth movement
- Personal property and contents
- Loss of use and additional living expenses
- Debris removal and demolition
Common add-ons
- Lower percentage deductibles at higher premium
- Cover for masonry, chimneys and exterior features
- Building code upgrade cover
- Cover for pools, driveways and hardscaping
Questions
What people ask about earthquake
Why is the deductible a percentage?
Earthquake losses are correlated across a whole region at once. A percentage deductible keeps the cover affordable and available. On a 500,000 dollar dwelling limit a 10 per cent deductible is 50,000 dollars.
Does it cover a cracked foundation?
Damage caused by a seismic event is covered. Settlement, subsidence and pre-existing cracking are not, which is why carriers inspect before binding.
Often taken together
Related cover
Homeowners Insurance
Structure, contents, liability and the cost of living elsewhere while repairs happen.
Read more →
Quote Earthquake Insurance
Tell us what you already have and we will show you where this fits — or tell you plainly that you do not need it.