Earthquake Insurance in California-Protect What Matters When the Big One Hits
Why Earthquake Insurance Matters in Southern California
Living in Southern California means living with earthquakes. Major faults-including the San Andreas-run through the Inland Empire, and standard homeowners insurance does not cover earthquake damage. Fewer than 15% of California homeowners carry quake insurance, yet the risk is real for homes in Fontana, Rancho Cucamonga, San Bernardino, and beyond. Ask yourself: could you afford to rebuild if a big quake hit tomorrow? Shaver Insurance is here to help you make an informed, confident decision.
How Earthquake Coverage Works-CEA and Private Policies
Earthquake insurance is available through the California Earthquake Authority (CEA) and select private insurers. A standard earthquake policy can help pay to repair or rebuild your home, replace lost personal belongings, and cover living expenses if your house is uninhabitable after a quake. Unique to earthquake insurance: deductibles are higher (typically 5-25% of your home's value), but coverage can reach hundreds of thousands-enough to truly make a difference after a disaster. Shaver Insurance walks you through every choice: deductible amounts, coverage limits, and whether a CEA or private policy is best for your needs.
Who Should Consider Earthquake Insurance?
If you live in the Inland Empire-Fontana, Rancho Cucamonga, San Bernardino, or nearby-you're close to major faults, so the risk is more than theoretical. Experts agree: it's not a matter of if, but when, a significant quake will hit our region. Whether your home is new or older, paid off or mortgaged, earthquake insurance helps protect your investment and your peace of mind. Shaver also works with homeowners whose equity or assets are at stake-so you can make the best choice for your family.
How Much Does Earthquake Insurance Cost?
Premiums depend on your home's age, structure, and distance from faults-but in many Inland Empire areas, they're more affordable than you might expect. Shaver Insurance provides clear, side-by-side quotes so you see all your options. We'll explain deductibles, what's covered (and what's not), and help you customize a policy-no pressure, just facts.
Get Honest Advice and Real Protection
Our agents give straightforward recommendations: if you want to skip earthquake coverage, you'll do it fully informed; if you choose to buy, you'll know exactly what's covered. We're always here to answer questions-no jargon, just clear advice and support when it matters most.
Ready to Discuss Earthquake Insurance for Your Home?
Contact Shaver Insurance for a free quote or consultation. We'll help you understand your risk, your options, and your next steps-so you're prepared, not caught off guard.
