Get a California Earthquake Insurance Quote

Use this FREE self-help tool to quickly get a California earthquake insurance quote, available right here, online. Unlike many other earthquake insurance quote websites you may have come across, Stephen B. Groton Insurance and YourInsurancePal.com will NEVER sell your information.

The Earthquake Insurance Quote form will help answer the question:  “How much does earthquake insurance cost in California?”

Your Homeowners Insurance Policy does NOT cover Earthquake damage.  If there is an earthquake, you may be on your own, entirely, to rebuild.  There is no guarantee that the Federal or State governments will be able to assist or bail you out.  If they can, it will be very, very slow.  The only way to know you will get rebuilt is to have earthquake insurance.

You will need your Homeowners insurance declaration pages to get an accurate earthquake insurance quote.  From the first page we need the Coverage A Dwelling Replacement Cost figure.  It is usually the first figure at the top of a column of coverage figures.  It is on this figure that the earthquake insurance company will base its earthquake insurance quote, so it is important to have it handy.  There are other questions such as:

  • the type of foundation that is under your house
  • whether or not you have a basement or crawlspace
  • whether there has been any earthquake retrofitting done to your home

You may or may not immediately know the answers to these construction questions.  Getting those answers will make you much better able to make the right decisions about your earthquake insurance. including whether or not it is worth having earthquake insurance at all.  Please complete as much of the earthquake insurance quote form as you can.  We will start with what you have and get back to you with an indication of the cost.