Earthquake Insurance in California

What We Offer

Protect Your Home from the Ground Up Living in California brings breathtaking beauty, vibrant cities, and a strong sense of community. But it also comes with a very real risk — earthquakes. At Western Insurance, we offer earthquake insurance solutions designed to give California homeowners peace of mind when the ground shakes. A standard homeowner insurance policy often does not cover damage from earthquakes. That means one unexpected quake could lead to devastating financial loss. Our dedicated earthquake coverage helps fill that critical gap by protecting your property, belongings, and savings from seismic risk.

Homeowners Insurance

Why You Need Earthquake Insurance in California

California is one of the most earthquake-prone areas in the United States, with fault lines running throughout the state. Even moderate earthquakes can cause major structural damage, cracked foundations, broken pipes, or even a complete loss of property.

Without proper coverage, you may be left to pay out-of-pocket for costly repairs or rebuilding. That’s where earthquake insurance steps in — to help you recover and rebuild with confidence.

What Does Earthquake Insurance Cover?

Earthquake insurance typically covers:

Dwelling Damage: Repairs or replacement of your home’s structure if it’s damaged by an earthquake.
Detached Structures: Garages, sheds, and fences affected by seismic activity.
Personal Property: Furniture, appliances, electronics, and valuables damaged or destroyed during a quake.
Loss of Use: Living expenses if your home becomes uninhabitable due to earthquake damage.
Debris Removal and Emergency Repairs

You can also add endorsements for things like swimming pools, masonry walls, or retaining structures depending on your location and property type.

Customize Your Coverage with Confidence

Every homeowner has different needs. Whether you own a hillside home, a city condo, or a rural ranch-style house, Western Insurance offers customizable earthquake policies tailored to your location, structure type, and budget.

We recommend bundling earthquake coverage with your standard homeowners insurance for complete protection from both natural disasters and everyday risks.

Why Choose Us

California-Focused Expertise: We understand the unique risks faced by homeowners in California.
Custom Coverage Options: Tailored plans that reflect the true replacement cost of your home.
Fast Quotes: Get coverage started quickly with our efficient quote process.
Top-Rated Carriers: We partner with trusted national and regional insurance providers.
Responsive Support: From policy setup to claims handling, we’re here every step of the way.