Stay Prepared with Earthquake Insurance
Protect your home and belongings from seismic events in Visalia, Fresno, and the Central Valley. Don’t let the unexpected catch you off guard.
What is Earthquake Insurance?
Earthquake insurance provides essential coverage for damage caused by seismic activity, including structural repairs, personal property replacement, and additional living expenses. Standard homeowners and renters insurance policies typically don’t cover earthquake damage. At Modern Edge Insurance Brokers, we offer tailored policies to protect your home and finances from the unexpected.
Key Features of Earthquake Insurance
Structural Damage Coverage: Protects your home’s foundation, walls, and roof from earthquake damage.
Personal Property Protection: Covers belongings such as furniture, appliances, and electronics damaged during an earthquake.
Additional Living Expenses (ALE): Pays for temporary housing and other costs if your home becomes uninhabitable.
Flexible Deductible Options: Choose a plan that fits your budget and risk tolerance.
Customizable Coverage: Add-ons for high-value items, detached structures, and specific needs.
Frequently Asked Questions
Is earthquake insurance required in California?
While not required by law, earthquake insurance is strongly recommended in California due to high seismic activity.
What does earthquake insurance cover?
It covers structural damage, personal property, and additional living expenses caused by seismic activity.
How much does earthquake insurance cost?
Costs depend on factors such as your home’s location, age, construction type, and coverage limits. Contact us for a personalized quote.
Does homeowners insurance cover earthquakes?
No, standard homeowners insurance does not cover earthquake damage. A separate policy is necessary.
Can renters purchase earthquake insurance?
Yes, renters can buy policies to cover their personal belongings and additional living expenses.
