Get earthquake insurance coverage for your home and property. Flexible deductibles and affordable rates from expert providers.
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✓ Flexible deductibles
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All Earthquake Providers (5)
🌍 Chubb
★ 4.6000000000000005/5.0
$220 - $920
Coverage Types:
Deductible: $500-$5000
Key Features:
- ✓ Specialist coverage
- ✓ Flexible deductibles
- ✓ Fast quotes
PROS
- • Specialist providers
- • Flexible deductibles
CONS
- • High deductibles
- • Limited coverage
🌍 AIG
★ 4.5/5.0
$210 - $890
Coverage Types:
Deductible: $500-$5000
Key Features:
- ✓ Specialist coverage
- ✓ Flexible deductibles
- ✓ Fast quotes
PROS
- • Writes standalone earthquake policies outside the California Earthquake Authority (CEA) pool, allowing higher dwelling limits than CEA's standard caps — useful for homes valued above $1M
- • Private Client Select (formerly AIG Private Client Group) specializes in high-net-worth coverage with concierge claims handling and dedicated risk-engineering site visits for earthquake retrofitting recommendations
CONS
- • Generally not available to mass-market consumers — Private Client Select typically requires homes valued above approximately $1 million and placement through an independent broker, not direct-to-consumer
- • AIG sold its Private Client Group to Stone Point Capital in 2024 (rebranded Private Client Select), creating policyholder uncertainty about long-term branding, underwriting appetite, and service continuity
🌍 Allstate
★ 4.4/5.0
$200 - $860
Coverage Types:
Deductible: $500-$5000
Key Features:
- ✓ Specialist coverage
- ✓ Flexible deductibles
- ✓ Fast quotes
PROS
- • AM Best A+ (Superior) financial strength rating, with the parent Allstate Corp. publicly traded on NYSE (ticker ALL) and reporting full statutory surplus data via SEC filings
- • Large captive-agent network (~10,000 Allstate agents nationwide) makes it easier to bundle an earthquake endorsement with an existing Allstate homeowners policy in most non-CA states
CONS
- • In California — the largest U.S. earthquake market — Allstate homeowners customers are generally offered coverage through the California Earthquake Authority (CEA) rather than a true Allstate-underwritten earthquake policy, which limits Allstate's direct control over pricing and coverage terms
- • Earthquake endorsement deductibles are typically very high (commonly 10–25% of dwelling coverage), consistent with industry norms but a meaningful out-of-pocket exposure that surprises many homeowners
🌍 State Farm
★ 4.3/5.0
$190 - $830
Coverage Types:
Deductible: $500-$5000
Key Features:
- ✓ Specialist coverage
- ✓ Flexible deductibles
- ✓ Fast quotes
PROS
- • Specialist providers
- • Flexible deductibles
CONS
- • High deductibles
- • Limited coverage
🌍 CEA
★ 4.2/5.0
$180 - $800
Coverage Types:
Deductible: $500-$5000
Key Features:
- ✓ Specialist coverage
- ✓ Flexible deductibles
- ✓ Fast quotes
PROS
- • Specialist providers
- • Flexible deductibles
CONS
- • High deductibles
- • Limited coverage
How to Choose
- • Compare quotes from multiple providers
- • Review coverage types and deductibles
- • Check customer ratings and reviews
- • Look for available discounts
- • Verify policy terms and conditions
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