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What Earthquake Insurance Does Not Cover

What Earthquake Insurance Does Not Cover?

All insurance policies have exclusions. These are the things that the policy does not cover. Read their policy to know their exclusions.

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Common exclusions in earthquake insurance policies include:


Earthquake insurance generally does not cover anything that already covers the policy of its owner. For example, your homeowner’s policy covers fire damage, even if an earthquake causes the fire. Therefore, your earthquake home insurance policy does not cover fire damage.


Typically, earthquake insurance does not cover damage to your land, such as sinks from erosion or other openings hidden beneath your land. You may be able to buy limited additional coverage to restore or stabilize the land.


Earthquake insurance does not cover damage to your vehicles. Check your car insurance policy to find out if it covers that damage.


Earthquake insurance does not cover damage caused by water from outside your home, such as sewers or secondary drains, floods or tsunamis. For example, if you live near a lake that floods your home after an earthquake, earthquake insurance will not pay to repair the damage. A flood insurance policy will cover it.

Earthquake Insurance

Earthquake Insurance

Earthquake Insurance

Does my home insurance or renter cover any earthquake damage?
In general, your homeowner’s or renter’s insurance does not protect your home from damage caused by an earthquake, even if the damage is indirect.

The main exception is fire. Look down.
In some cases, your homeowner or renter can specifically cover direct loss from bursting, theft or breakage of glass caused by an earthquake, even if you do not have earthquake insurance.

Ask your insurance agent.
Read your homeowner’s policy and contact your insurance company every time an earthquake damages your property. Do not assume that the damage is not covered.

Homeowners insurance covers fire damage

California law says that both housing and tenant insurance must cover fire damage that is caused by or after an earthquake.

This means that the fire damage is covered, whether or not it has earthquake insurance.

Earthquake retrofitting
The modification is making changes to increase the security and strength of your home. This can help you save money on insurance and repairs.

The cost of earthquake insurance is based on several things, such as the way the house is made and the type of soil beneath it. The cost is usually higher for:

Old houses
Houses built of brick or masonry.
Homes that have more than one story
Your Homes that are in sandy soil instead of clay or rock.
Homes that are not up to the code.
What happens if my house does not comply with the code?

Your insurance company must offer you an insurance against earthquakes, even if your property does not comply with the current regulations of the Construction Code and the Health and Safety Code on bolting foundations and anchor water heaters. But you may be charged a higher premium and / or deductible.

You can get a discount if you upgrade.

You may be able to reduce your premium or deductible by retrofitting to make your home safer and stronger. Your insurance company must inform you in writing about these discounts. Retrofitting can:

  • Reduces earthquake damage
  • Reduce insurance costs.
  • Take your house to the code.

How can I update?

Here are some ways to update.

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For more information on retrofitting, go to

  1. Screw your house to the base.
  2. Get ready the fireplace.
  3. Attach the water heater to the wall.
  4. Place the automatic gas shut-off valves.
  5. Use plywood to strengthen the walls of crippled. 

Home coverage of update of the construction code

You can buy additional insurance of $ 10,000, called construction code update coverage. The coverage pays only for the building code updates you need to obtain a reconstruction permit.

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