Coverage Types
Earthquake Insurance
Definition
A specialized form of property insurance that covers damage to buildings and personal property caused by earthquakes. Standard homeowners policies exclude earthquake damage, requiring a separate policy or endorsement.
In Zach’s Words
“Here's what most Bay Area homeowners don't realize: your regular homeowners policy does NOT cover earthquake damage. Zero. If the Big One hits and your house cracks, you need a separate earthquake policy. The CEA is the most common option, and yes, the deductibles are high — but it beats losing everything.”
— Zach Nadler, CIO