Get tailored earthquake protection that fills crucial gaps—covering structural repair, personal property, and living expenses—backed by local expertise and trusted carriers.
California—a hub of seismic activity—poses serious risks to homes and belongings. Standard homeowners or renters insurance excludes earthquake damage, leaving you exposed after a quake. Pacific Edge Insurance helps you close that exposure, offering comprehensive policies that safeguard your investment and minimize financial disruption.
We’ll help you design a policy that addresses your primary earthquake-related risks:
Dwelling Coverage: Pays to repair or rebuild your home and attached structures—garage, decks, etc.—after seismic damage.
Other Structures: Detached buildings or landscaping features like fences and sheds are covered.
Personal Property: Replaces damaged belongings—furniture, electronics, clothing—up to selected limits.
Loss of Use / Additional Living Expenses: Covers temporary housing, meals, and other costs if your home is uninhabitable.
Optional Add‑Ons: Loss Assessment, code upgrade coverage, and more—depending on your needs and whether your property is part of a condo or HOA.
Custom Deductibles: Choose 5–25% deductibles based on your home’s value, location, and whether it’s been seismic‑retrofitted.
CEA & Private Options: While California Earthquake Authority (CEA) plans dominate the market (~67%), we also connect you with private carriers for more flexibility.
Cost-Based on Science: Premiums reflect real seismic risk (fault zones, soil, foundation type, retrofit status), not guesswork.
Full Disclosure & Guidance: We walk you through policy fine print—what’s covered, what’s not—and recommend retrofit options that might lower premiums.
Homeowners with significant property value—especially homes over $300K replacement cost.
Renters or Condo Owners who want protection for personal property and temporary housing.
Anyone in Seismic Zones, regardless of how often earthquakes are rumored—after all, once is one too many.
With high out-of-pocket risk after an earthquake—often 5–25% of your home’s value—having the right coverage acts like an insurance reset button for your finances. Whether through the CEA or private markets, Pacific Edge Insurance will compare the offers and deliver coverage that actually fits your situation
As an Independent Agency, we work for you — not the insurance companies — offering personalized advice and access to a broad network of top carriers.
Our Insurance Agents will work hard to get You the Price and Coverage you need.