California is beautiful—but it’s also one of the most earthquake-prone states in the U.S. And here’s the big shocker: most homeowners insurance policies don’t cover earthquakes.
Unless you’ve added a separate earthquake policy or endorsement, you could be left paying for tens (or hundreds) of thousands in repairs out of pocket.
Here’s what earthquake insurance typically covers:
- Repairs to your home’s foundation and structure
- Personal property damage (furniture, appliances, etc.)
- Temporary living expenses if your home becomes uninhabitable
Why Most People Skip It:
Many homeowners assume they’re covered — or think the risk is too low. But just one moderate quake can cause:
- Cracked walls and foundations
- Broken windows and pipes
- Thousands in cleanup and rebuild costs
What It Costs:
Premiums vary by location, structure, and deductible. But with new flexible deductible options and state programs like CEA (California Earthquake Authority), it may cost less than you think.
Pro Tip: Bundle your earthquake policy with your home coverage through an independent agency to save money and ensure smooth claims.
At Les Palcsik Insurance Agency, we’ll help you weigh the risks and decide whether earthquake coverage makes sense for your specific home and budget.
