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Earthquake Insurance

for Homeowners & Renters

Many Californians are surprised to learn that their standard insurance policies don't provide earthquake coverage for their homes and belongings after a seismic event. A home insurance policy protects the structure of your home, the interior, and your belongings. A renter's policy protects your personal belongings inside your rental space.

According to the California Earthquake Authority (CEA), most Californians live within 30 miles of a major fault. That means whether you own or rent, you need specialized coverage to protect against the risk of an earthquake.

Wawanesa Insurance and CEA

Wawanesa offers earthquake insurance to Californians through our partnership with the CEA, one of the state's largest and most trusted providers. CEA provides flexible, affordable coverage to more than one million policyholders.

“California is earthquake country”

– The California Earthquake Authority

What is Earthquake Insurance?

Earthquake insurance provides financial protection for your home, condo, or belongings in a rental after seismic damage. Earthquake coverage is not included in standard home, condo, or renters insurance policies, and without it, you’d have to pay for all related damage to your property.

Homeowners
Basic Policy

Covered:

  • Dwelling protection & other structures
  • Personal property
  • Loss of use
  • Personal liability
  • Medical payments to others
  • Basic expenses to prevent further damage
  • Optional protection for higher-value items

Not covered:

  • Earthquake damage to your home’s structure or belongings
  • Water damage caused by external flooding

Condo
Basic Policy

Covered:

  • Dwelling and interior fixtures
  • Personal property
  • Temporary accommodation during repairs

Not covered:

  • Damage to your condo caused by earthquake tremors
  • The cost to replace or repair earthquake damage to your unit’s interior
  • Temporary housing costs if you need to move out during earthquake repairs

Renters
Basic Policy

Covered:

  • Personal belongings from theft or damage
  • Living expenses if you need to move out temporarily
  • Personal liability
  • Medical expenses for others injured at your place

Not covered:

  • Earthquake-related damage and loss of your belongings
  • Temporary lodging costs if you need to move out due to earthquake damage

Why Do You Need Earthquake Insurance?

If your home and belongings are damaged or destroyed in an earthquake they won’t be covered by a standard home, condo, or renters insurance policy. You need to purchase a separate earthquake policy to protect your property and belongings, which can be added to your homeowners, condo, or renters insurance policy. Without this additional coverage, the cost to repair or rebuild your home and replace your belongings after a strong earthquake could be financially devastating.

Without earthquake insurance, you would be responsible for all related expenses, including the entire cost of:

Repairing or rebuilding your home or the inside of your condo

Replacing all your furniture, appliances, and belongings

Temporary accommodation if you need to move out if your home is unhabitable due to a covered claim

For more information visit CEA or call us at 800-640-2920.

Types of Earthquake Insurance Policies

Homeowners
Earthquake Insurance

  • Protects your most significant investment and its contents
  • Affordable and flexible policy limits and coverage options available

Condo
Earthquake Insurance

  • Protects your unit’s interior and your belongings
  • Affordable and flexible policy limits and coverage options

Renters
Earthquake Insurance

  • Covers your belongings and temporary housing costs
  • Variety of coverage and deductible choices

For more information visit CEA or call us at 800-640-2920.

How Earthquake Insurance Works

With earthquake insurance, you’ll have the peace of mind of knowing that, should the big one —or even a minor one — hit, you’ll be covered. Without this coverage, you would be responsible for paying for everything out of pocket.

Without earthquake insurance, the funds needed to rebuild your life after a seismic event could be so severe that financial recovery could prove challenging.

How to Buy Earthquake Insurance

Buying earthquake insurance through an insurer you already know, and trust makes sense. Wawanesa can help you find the right earthquake coverage to safeguard your home and belongings. Offered through the state of California, CEA works with reliable insurers like Wawanesa to provide and service earthquake policies.

Learn more about earthquake insurance coverage options and let Wawanesa help you find the right policy to protect your home and belongings from seismic catastrophe. Don't wait until it's too late, take the necessary steps to protect your home today.

Start Your Home Quote Start Your Renters Quote

Already a Wawanesa member with a homeowners, condo, or renters insurance policy?
Call 800-640-2920 to add earthquake coverage today.

Pro-Tip

If you haven’t yet created an inventory of all your belongings, it’s a good idea to do so. You’ll be surprised at how much stuff you own and what it's worth. An inventory will make your life so much easier if you ever need to file a claim.

Call 800-640-2920

Filing a Claim

If you ever need to file an earthquake-related claim, our claims team will handle it for you. Wawanesa members can report a claim 24 hours a day, 7 days a week, by calling 888-WAWA-CLAIM (929-2252).

Without earthquake insurance, you would be responsible for all related expenses, including the entire cost of:

  • Repairing or rebuilding your home or the inside of your condo
  • Replacing all your furniture, appliances, and belongings
  • Paying for temporary accommodation if you need to move out, if your home is unhabitable due to a covered claim

Wawanesa Claims

We’re dedicated to ensuring your insurance claims experience is smooth and worry-free.
Filing a claim is available 24/7, 365 days.

Learn more about claims

Frequently Asked Questions

What is earthquake insurance?
Earthquake insurance protects your home and belongings if they get damaged in an earthquake. It’s a separate policy that’s not included as standard coverage for home, condo, or renters insurance.
Does renters insurance cover earthquakes?
No, your renters insurance policy does not cover earthquakes. You’ll need to purchase a separate policy that can be added to your existing renters insurance.
How do I get earthquake insurance coverage?
Adding earthquake insurance to your existing policy is simple. Just call Wawanesa at 800-640-2920, and one of our helpful agents will guide you through the process.
How much does earthquake insurance cost?
The cost of an earthquake policy will vary depending on various factors such the property's size, type, location, and the amount of coverage you select.
Does homeowners insurance cover earthquakes?
No, your homeowners policy does not cover earthquakes. You’ll need to purchase a separate policy that can be added to your existing homeowners insurance.
Is earthquake insurance worth it?
Absolutely. The peace of mind alone is worth the premium. Without earthquake coverage, you’d have to pay to repair, rebuild, or replace all your belongings.