Earthquake Insurance 
In 2019, two California earthquakes caused around $200 million in property damage. California usually gets two to three large earthquakes each year, capable of causing thousands or millions of dollars in damage. Homeowners are the most at danger to these earthquakes, as expensive damage and extreme loss is difficult to come back from without a wealthy savings account. 

What most homeowners don’t know is that earthquakes aren’t covered under basic home insurance policies. Homeowners are often blindsided after they file a claim and it’s rejected because their policy doesn’t have the coverage they thought it did. Thankfully, you can purchase a separate earthquake insurance policy. 

DRD Insurance Agency understands the dangers California homeowners face. We work closely with clients to educate, reassure and create a bond with each person looking for insurance. We’ll match you with an earthquake policy that covers what matters most at an affordable price. 

What is Earthquake Insurance? 
Earthquake insurance is separate coverage that can be purchased to enhance your homeowners or business property coverage. It provides compensation for damage to your dwelling and property caused by an earthquake. 

What Does Earthquake Insurance Cover? 

Earthquake insurance covers your: 

• Dwelling: Your dwelling is the physical home along with its attached structures, such as garages. This coverage usually has limits on unattached structures such as fences. 

• Personal Belongings: This coverage extends to items within the home that are lost or damaged in an earthquake. Personal property may include furniture, clothes, electronics and more. 
  
  
• Additional Living Expenses: Additional living expenses (ALE) provides compensation if you must temporarily move elsewhere after an earthquake renders the home uninhabitable. 

Earthquake insurance does not generally cover fire, vehicles or flood damage. 

Is Earthquake Insurance Required in California? 
Depending on where you are, earthquake insurance may be required. Homes and apartments especially close to California fault lines are most at risk for earthquake damage. 

Protect Your Home Today 
No matter if you live in a house or an apartment, earthquake insurance can assure you receive compensation after loss. Call DRD Insurance Agency today at 800-721-9089 or fill out an online form for a  free quote to get started. 

Frequently Asked Questions 

What is the Average Cost of Earthquake Insurance? 
Earthquake insurance depends on your home’s value, meaning the cost can range anywhere between $800 and $5,000 a year. This price can also be affected by your zip code and claims history. 

Why Do I Need Earthquake Insurance? 
Earthquakes can be devastating. Having a policy to cover possible damages can set you and your family at ease by knowing you’ll have a way to recover after an earthquake. 

Is Earthquake Insurance Worth Getting? 
For California homeowners, earthquake insurance is well worth the price. Earthquakes can cause thousands or millions of dollars in damage in the blink of an eye compared to the much smaller premiums you will pay a month for earthquake insurance. 

How Does Earthquake Insurance Work? 
Earthquake insurance provides compensation for earthquake damage. If your home is damaged or destroyed due to an earthquake, you can