Earthquake-Insurance

Protection Beyond Standard Homeowners Insurance

Why Earthquake Coverage Matters

Earthquakes are an unavoidable reality of living in California, yet many homeowners are surprised to learn that standard homeowners insurance policies do not cover earthquake damage. Without separate earthquake insurance, damage caused by ground shaking, fault movement, or soil displacement can leave homeowners financially exposed. At DRD Insurance, we help individuals understand earthquake insurance and how it fits into a comprehensive protection plan for their home. Earthquake insurance can help cover damage to the structure of your home, personal property losses, and in some cases additional living expenses following a covered event. Because earthquake policies differ significantly from standard home insurance, understanding deductibles, coverage limits, and exclusions is critical. Deductibles are often higher and based on a percentage of the insured value rather than a flat dollar amount, making informed decisions especially important. As an independent insurance agency, DRD Insurance works with specialized carriers and programs such as the California Earthquake Authority to help homeowners evaluate options based on location, construction type, and risk exposure. We take the time to explain how coverage applies before and after an earthquake, what repairs may be eligible, and how claims are handled. Earthquake insurance is not about predicting when the next event will occur; it is about preparing financially so you can recover more quickly and with greater certainty if it does.

Coverage for One of California’s Greatest Risks

Structural Damage Coverage

Earthquake insurance can help cover repairs to your home’s structure after damage caused by seismic activity, including foundation issues, wall damage, and structural instability not covered by standard homeowners policies.

Personal Property Protection

Coverage may extend to personal belongings damaged or destroyed during an earthquake, helping replace essential household items affected by shaking or structural collapse.

Additional Living Expenses

Some earthquake policies include coverage for temporary housing and related expenses if your home becomes uninhabitable following a covered earthquake event.

Planning for the Unexpected

At DRD Insurance, we approach earthquake insurance with education and transparency at the forefront. Many homeowners avoid earthquake coverage because it feels complex or uncertain, but our role is to clarify what the policy does and does not cover so you can make an informed decision. We start by reviewing your home’s construction, location, and existing homeowners insurance to identify potential gaps. Because we are independent, we are not tied to a single earthquake insurance provider, allowing us to compare options and explain differences in coverage structures, deductibles, and limits. Our team stays informed about California seismic risks, carrier offerings, and regulatory updates so we can provide guidance that reflects current conditions. We help clients understand how higher deductibles function, what coverage amounts make sense, and how earthquake insurance fits into an overall risk management strategy. If a claim occurs, we assist with understanding the process and coordinating with carriers to reduce confusion during recovery. Over time, we review coverage as property values change or renovations are completed. At DRD Insurance, earthquake insurance is not sold through fear—it is offered through clear information, thoughtful planning, and long-term protection.