Orange County, Mission Viejo, Lake Forest, Laguna Hills, Aliso Viejo, Foothill Ranch, Rancho Santa Margarita, Laguna Niguel, San Juan Capistrano, Laguna Beach, Irvine and San Clemente, California
What Our Customer's Are Saying
The level of service and professionalism I’ve received from the experienced professionals at Metro Coast Insurance is unparalleled. I’ve purchased several policies from them over the years and I have always felt confident that I was making a wise choice.(...)
Jeff Boyd, Mission Viejo, CA
View More Testimonials
Most home insurance policies do not provide protection against the damages that earthquakes can cause. For homeowners in areas that are prone to earthquakes, and even those with a history of quakes—no matter how rare—should consider the benefits of earthquake insurance. With the protection of a traditional home insurance policy, the foundation damage and wall damage caused by an earthquake, as well as the value of any contents that are destroyed, would likely not be covered. Instead, an insured would have to pay out of pocket to repair and replace anything damaged.
Earthquake insurance through a separate policy or as a rider on your home policy, offers you an easy way to provide an affordable layer of insurance protection that only comes into play when an earthquake strikes.
How Earthquake Insurance Deductibles Work
As with other insurance policies earthquake insurance has an annual deductible that you must pay before damages will be covered. Deductibles may be based on a percentage of the policy’s total limits, which can be a substantial amount and one that insureds must prepare for.
Are There Limits to an Earthquake Policy?
Just as with a traditional home insurance policy, your earthquake insurance policy will have limits that determine the maximum your policy will pay. An earthquake policy limits should be based on the cost to rebuild your home and not on the sale price or estimated value. Premium costs for your policy will be determined by evaluating many factors including your home’s location, date of construction and the construction materials.
Having earthquake insurance does not mitigate the need for flood insurance. For example, if an earthquake causes a tidal wave, which, in turn, creates flood conditions, that damage would only be covered by a flood insurance policy.
Check out our 5 minute video from the Insurance Journal on how Earthquake Insurance works.
Thank you for your interest in Metro Coast Insurance Services, Inc. Ready to begin your earthquake insurance quote? Use our quote form here. If you would like to speak with one of our insurance professionals you can contact us via email or call 949-238-6399. Our agents are ready to provide honest and fair policy and pricing options.