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1 Million Satisfied Clients
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1 Million Satisfied Clients
50 Million in Premium Written
100+ Programs to Choose From
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In California, earthquakes are a fact of life. The next big tremor could be just around the corner, and your standard home insurance may not cover the damages. Don’t wait until it’s too late—protect your investment with specialized earthquake insurance from Maxsave Insurance.
Essential protection against earthquake damage for your property.
Broader protection options to shield you from larger losses.
Complete coverage to safeguard against a wide range of risks.
Protection against damages from aftershocks after the main event.
Specific coverage tailored for rental properties and landlords.
Bespoke insurance plans designed to meet your individual needs.
Covers damages to your home’s structure from earthquakes.
Protects your belongings like furniture and electronics.
Covers extra expenses while your home is being repaired.
Insures garages, sheds, and fences on your property.
Rates vary based on how prone your area is to earthquakes.
Older homes may have higher rates due to outdated construction.
Different materials affect how well your home can withstand quakes.
Upgrades to your home can lower insurance costs.
This section covers earthquake deductibles, important for homeowners to understand. Knowing your deductible can help you better prepare for potential costs following an earthquake. Here, we break down common deductible percentages and include a simple example for better clarity.
When considering earthquake insurance, it’s essential to weigh your options. The California Earthquake Authority (CEA) offers state-backed coverage specifically for earthquake damage. On the other hand, private insurance companies provide various plans that may have broader or more flexible coverage. Understanding the pros and cons of each choice can help you find what fits your needs best.
CEA policies usually come with lower rates and can be a reliable choice since they are backed by the state. However, they may have limitations, like caps on certain types of coverage. Private insurance may offer more extensive coverage options, including additional living expenses, but these can come at a higher cost. Take the time to evaluate what’s most important for you.
Strengthen your home to withstand earthquakes to lower premiums.
Choose a higher deductible to reduce your premium costs.
Combine your home and auto insurance for better rates.
Understand your area's risk to make informed insurance choices.
Earthquake insurance typically covers damage to your home and personal belongings caused by an earthquake. This includes structural repairs, replacement of personal possessions, and additional living expenses if you’re temporarily displaced.
Deductibles for earthquake insurance can vary based on your policy. They are often expressed as a percentage of the total coverage amount. For example, a 10% deductible on a $200,000 policy means you’re responsible for the first $20,000 in repairs.
Yes, policies can vary by provider. Some may offer additional coverage options like personal property protection, loss of use, or coverage for specific high-value items. Always review multiple options to find what suits your needs best.
