Homeowners policies exclude earthquake — options through the California Earthquake Authority and private markets.
Standard homeowners insurance does not cover earthquake damage. In Southern California, even a moderate quake can damage foundations, chimneys, and interior finishes — repairs that can cost tens of thousands of dollars without coverage.
Many homeowners explore CEA policies or private earthquake insurers. Deductibles are often a percentage of dwelling coverage rather than a flat dollar amount, so it is important to understand how a claim would work.
Pledge Insurance can explain earthquake options for your home value, construction type, and budget. We recommend reviewing coverage before buying a home or after a major remodel that increases replacement cost.