Coverage Guide
Earthquake Insurance Guide
Risk zones, deductibles, and coverage limits
Seismic Risk Zones
| Zone | Description | Rate Factor |
|---|---|---|
| Very High Risk (Near Fault) | Within 10 miles of fault | ×3 |
| High Risk Zone | Active seismic area | ×2.2 |
| Moderate Risk | Some seismic history | ×1 |
| Low Risk | Minimal seismic activity | ×0.5 |
High Deductible Warning
Earthquake deductibles are typically 10-25% of coverage, NOT a flat dollar amount.
$300,000 Home @ 15% Deductible
You pay first $45,000
$500,000 Home @ 20% Deductible
You pay first $100,000