Earthquake Insurance in Santa Clarita, San Fernando, the Antelope Valley and beyond

Most people know that California is prone to earthquakes. Not only are they unpredictable, but they can also impact areas miles away from their epicenters. Even minor quakes might cause significant property damage that could make your home unsafe. Rather than letting your home be a victim of a quake, invest in earthquake insurance instead.

Earthquake insurance is a bit different from your standard property insurance. So, if you are not sure whether you need it, then contact Dynamite Insurance. As experts in the California property insurance market, we can help all homeowners appropriately insure their properties against quake damage.

To learn more about the benefits of earthquake insurance, keep reading. When you are ready to get a quote, call us at or click on the button below. We’re here and ready to help.

Frequently Asked Earthquake Insurance Questions

Why earthquake insurance is important?

Most homeowners policies don’t automatically cover damage from earthquakes. Only if the quake triggers a peril covered by your policy, like a fire or burst pipe, might it cover the resulting damage. For protection against additional losses, you should invest in earthquake insurance. Your policy will offer more expansive protection for property and possessions losses specifically caused by quakes.

What does earthquake insurance cover?

California has a tightly regulated earthquake insurance marketplace. Most insurers who offer policies do so through the California Earthquake Authority. You still buy your policy through the same insurer that provides your homeowners insurance, however.

Policies cover:

• Property Damage: Damage to your house will have coverage, but exclusions will exist for certain items like landscaping and fences.
• Personal Possessions: Personal items have coverage, though certain items like china and glassware might not have coverage unless you buy additional coverage.
• Additional Living Expenses: Following damage to the home, coverage can help you pay hotel bills, restaurant costs and other expenses related to living outside of the home.

It is your choice whether to invest in the policy, though your homeowners insurer will likely offer you coverage when you enroll in or renew your homeowners coverage. Always consider the benefit of this coverage and how it will provide additional help when an earthquake strikes.

How much does earthquake insurance cost?

Earthquake policy costs vary based on multiple risk factors. Those that might influence premiums are:

• Your home’s value
• The location of the home
• Past property insurance claims
• How much coverage you choose to buy
• Your credit score

Keep in mind, your chosen policy will have different limits, deductibles and exclusions. However, many of the limits will mirror those on your existing homeowners policy. Your home insurer will happily help you determine the best way to marry the policies.

How can I protect myself from earthquakes in California?

While having earthquake insurance is a great benefit, there are many ways you can protect your home against the risk and potential damage caused by quakes.

By adopting the latest in design and safety code requirements for your property, you can make your home more able to withstand the potential damage. Therefore, you might have to make lower claims on your homeowners policy, and can better ensure damage costs will fall within the terms of your policy.

For more information, visit the California Department of Insurance’s Earthquake Resources Page.

Insuring: Santa Clarita, Newhall, Antelope Valley, San Fernando Valley and Throughout California.