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Earthquake
Insurance
Earthquake / DIC Coverage
Earthquake insurance covers your dwellings / buildings up to the same limit as your HOA Master Policy, and policyholders pay a deductible of 10% – 20% of that limit. For example, let's say an earthquake completely destroys your home. Your insurance company would pay you up to the coverage limit, minus the deductible.
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You would need optional earthquake insurance coverage to help with major expenses like:
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Making structural repairs
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Rebuilding your house
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Paying for temporary housing
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Replacing personal property
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How Much Does Earthquake Insurance Cost?
The cost of earthquake insurance coverage varies significantly — it all depends on your area’s level of risk. Earthquake insurance premiums can be relatively inexpensive if you live where earthquakes are rare, and relatively expensive where they happen more frequently.
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Earthquake Insurance
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