🌍 Earthquake Insurance: Protect Your Home from the Ground Up

California is earthquake country. While your homeowners policy protects against many risks, most standard home insurance policies exclude coverage for earthquake damage. That means if the ground shakes and your home suffers structural damage, you could be left footing the bill for costly repairs. That’s where earthquake insurance comes in. It fills the gap by covering the financial fallout from earthquakes — including rebuilding costs, personal property replacement, and temporary living expenses.

🏚️ What Does Earthquake Insurance Cover?

An earthquake insurance policy is designed to step in when the ground moves — covering damage to your home's structure, the contents inside, and loss of use if your home becomes uninhabitable. Depending on your location and provider, it can also cover additional structures like garages or retaining walls. Deductibles tend to be higher than other policies, but the peace of mind it offers in high-risk zones is invaluable. At Alta Vista Insurance Agency, we help you evaluate the right limits and deductibles to keep you protected without overpaying.

📍 Why It Matters in California

California experiences thousands of small quakes each year — and while most go unnoticed, major quakes are not a matter of "if" but "when." Earthquakes can cause tens or even hundreds of thousands of dollars in damage to a single-family home. Without coverage, you're left to rely on your own savings or state assistance, which may be limited or delayed. Earthquake insurance ensures that you and your finances are protected when the next big one strikes.

🔍 Tailored Earthquake Coverage for Your Needs

Not all homes are at equal risk. Soil conditions, construction type, and proximity to fault lines all affect your exposure. We work with top-tier insurers to provide policies tailored to your property and location. Whether you own a hillside home in San Diego or a bungalow in Carlsbad, our local experts will help you find the right earthquake protection at a competitive rate. We also advise on paired policies like the California Earthquake Authority (CEA) and wraparound options for greater flexibility.

⏳ Get Covered Before the Next Quake

Earthquake insurance must be purchased before an event occurs — and providers often restrict new policies right after a major quake. Don’t wait for disaster to strike. Protect your biggest investment today.

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