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We Provide Earthquake Insurance for Californians

Why do I need earthquake insurance?

Most homeowners, mobilehome, condo and renters policies don't cover earthquake damage.

And most Californians live within 30 miles of an active fault, capable of producing damaging earthquakes. There thousands of known faults crisscrossing California, and on average, according to the official California Multihazard Mitigation Plan:

  • Moderate earthquakes (magnitude 5.5) strikes California 3 to 4 times a year.
  • A strong earthquake (magnitude 6 to 6.9) strikes California every 2 to 3 years.
  • A major earthquake (magnitude 7 to 7.9) strikes California about every 10 years.

Your earthquake risk is real. According to the Uniform California Earthquake Rupture Forecast (UCERF3), within the next 30 years, there is a:

  • 99.7% chance a 6.7M quake or larger will strike California.
  • 46% chance a 7.5M or greater earthquake will strike, likely in Southern California.
  • 68% chance a 7.0M quake will happen in Northern California.