Earthquake Agent Insurance Services

12/21/2025

3.2-magnitude earthquake shakes Northern California city as swarm continues
READ MORE: bit.ly/4pgGGO0

12/20/2025

The earthquake swarm continues in San Ramon. Friday night, the area was rattled by back-to-back quakes ranging from 2.5 to 4.0 magnitude. In the last month, the region has been hit by at least 150 earthquakes.

12/18/2025

https://www.earthquakeagent.com/earthquake-insurance-california/

12/08/2025

2024 began with a major earthquake in Japan, could a similar thing happen here?

USGS scientists and our partners have just released the latest National Seismic Hazard Model that shows what parts of the U.S. could experience damaging earthquakes.

This essential tool helps engineers and others mitigate how earthquakes affect the most vulnerable communities by showing where quakes are most likely to occur and how much shaking they might produce.

What’s the earthquake potential where you live? Is it higher or lower than you expected?

Comment below.

Learn more at https://ow.ly/BP8N50QqbGE

11/29/2025

🌎 How does earthquake insurance actually work?

Here’s a quick breakdown homeowners often don’t know:

✔️ Home insurance does NOT cover earthquakes
✔️ Earthquake insurance is usually a separate policy
✔️ It covers the dwelling, other structures, personal property, and loss of use
✔️ Deductibles are a percentage (2.5%–25%), not a flat dollar amount
✔️ Fire and flood caused by a quake are NOT covered (those fall under fire or flood insurance)

What impacts the price?
🔹 Year built
🔹 Zip code / proximity to fault lines
🔹 Construction type
🔹 Number of stories
🔹 Foundation
🔹 Slope
🔹 Retrofitting
🔹 Deductible choice
🔹 Insurance carrier

Many homeowners also think the California Earthquake Authority (CEA) is the only option — but private carriers often offer more flexible coverage and sometimes lower premiums.

Earthquakes are sudden, unpredictable, and repairs without insurance can be financially devastating.

👉 Learn more or get a quote at EarthquakeAgent.com

11/27/2025

Happy Thanksgiving! 🦃
Alright, we’ve got to ask… how are YOU cooking the turkey today—smoking, roasting, deep frying, or going totally off-script?

11/25/2025

🌎 What’s the best earthquake insurance company in California?

It depends on you — your coverage needs, your home, and the premium that makes the most sense for your situation.

Many Californians think the only option is the California Earthquake Authority (CEA)… but that’s not true.

There are multiple private earthquake insurance companies that offer:
✔️ Broader coverage
✔️ More deductible options
✔️ Often lower premiums than the CEA in many areas

The smartest move is to work with an independent agent who specializes in earthquake insurance — someone who can compare different carriers and design the right policy for your home.

👉 Learn more or get options at EarthquakeAgent.com

11/21/2025

Did you know that your homeowners' policy might cover fire after an earthquake — but not the earthquake itself? Read our breakdown of how earthquake insurance and fire coverage work together → https://www.earthquakeagent.com/fire-after-earthquake-insurance-coverage/

If an earthquake breaks your gas line and causes a fire, is it covered by earthquake insurance or your homeowners policy? Here’s the clear answer every California homeowner should know.

11/21/2025

🏠 Do mortgage lenders require earthquake insurance?

Unlike home and fire insurance, most mortgage companies do not require buyers to carry earthquake insurance when purchasing a home.

We’ve seen a few pockets of the state where lenders do require it — but in the vast majority of cases, it’s entirely up to the homeowner.

That means the responsibility falls on you to protect your biggest investment.

If a major quake hits, not having coverage could be financially devastating.

👉 Learn more or get a quote at EarthquakeAgent.com

11/20/2025

🏠 How does an earthquake insurance deductible really work?

Here’s a real-life example with simple numbers:

✔️ $1,000,000 dwelling coverage
✔️ $100,000 other structures
✔️ $100,000 personal property
✔️ $100,000 loss of use
✔️ 10% deductible

🔹 If the home collapses:
You meet the $100,000 deductible → insurance pays $900,000.

🔹 If the pool or patio crack:
$10,000 deductible → insurance covers the rest.

🔹 If everything falls out of the cabinets and you have $20,000 in breakables damaged but no structural damage:
$10,000 deductible → insurance pays $10,000.

Earthquake coverage can help even in smaller quakes — not just total losses.

👉 Learn more or get a quote at EarthquakeAgent.com

11/19/2025

🏠 How much earthquake insurance coverage do you actually need?

Here’s the rule most homeowners don’t know:

👉 Your earthquake dwelling coverage must match (or be higher than) your home insurance dwelling coverage.

You cannot insure your home for $500,000 and choose only $100,000 in earthquake coverage. Insurance companies won’t allow it.

But here’s the good news:

✔️ Other structures
✔️ Personal property
✔️ Loss of use

All of these can be customized based on your needs.

We’ll walk you through the right questions so you get the proper amount of coverage.

👉 Start the process at EarthquakeAgent.com

11/14/2025

⏳ Is there a waiting period for earthquake insurance?

Unlike flood insurance, earthquake insurance does NOT have a waiting period.

But there is something most homeowners don’t know about:

After a major earthquake (around magnitude 5.0–5.5), insurance companies put a moratorium in place.

That means:
❌ You can’t buy a new earthquake policy
❌ You can’t lower your deductible
❌ You can’t make coverage changes

Why? Because the aftershocks can be even stronger than the initial quake.

This is why it’s important to have coverage before an earthquake hits — not after.

👉 Learn more or get a quote at EarthquakeAgent.com