Earthquake Insurance in California

Earthquake Insurance in California

California is a hot spot for earthquakes. According to the U.S. Geological Survey, California has more earthquakes that cause damage than any other state. The California Geological Survey says that there are around 200 potentially dangerous faults and over 70% of Californians live “within 30 miles of a fault where high ground shaking could occur in the next 50 years.”

The California Geological Survey notes that there are usually two to three earthquakes big enough to cause moderate structural damage each year. The most recent “big one” that caused significant damage was the 7.1 magnitude Ridgecrest quake in 2019.


If you want coverage for California earthquake damage, you need to buy a separate earthquake insurance policy. A standard home insurance policy doesn’t cover earthquakes.

Earthquake insurance typically covers:

Personal property
Other structures
Additional living expenses
Earthquake insurance has a separate deductible from your homeowners insurance, typically between 10% to 25% of the dwelling’s policy limit.

For all of your questions and or concerns, please Text or call me at (707) 419-5787, email works great as well, Or if you like you can fill out the contact me form on this website
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Big Cory Insurance
2499 Martin Road Suite A

Fairfield, CA 94534

(707) 419-5787

MON-FRI 8:30AM - 5:30PM