Earthquake Insurance for California Homes

Most homeowners insurance policies do not cover earthquake damage. Let Jimenez Family Insurance Agency help you review your coverage options.

Homeowners & Property Guides- Updated August 2026

Help Protect Your Home from Earthquake Damage

Earthquakes can cause major property damage with little warning. Unfortunately, most standard homeowners insurance policies do not include coverage for earthquake damage.
A separate earthquake insurance policy may help protect your home, personal belongings, and finances after a covered earthquake.
Our local licensed agents can explain your options, help you understand the deductibles, and find coverage that fits your home and budget.
Earthquake Insurance
Get a quote for earthquake insurance

​What Can Earthquake Insurance Help Cover?

Coverage varies by carrier and policy, but earthquake insurance may help with expenses such as:
  • Dwelling Coverage – May help repair or rebuild your home after covered earthquake damage.
  • Personal Property – May help replace furniture, electronics, clothing, and other belongings damaged by a covered earthquake.
  • Loss of Use – May help pay additional living expenses if earthquake damage makes your home temporarily unlivable.
  • Emergency Repairs – May help cover urgent repairs needed to protect your home or belongings from additional damage.
  • Building Code Upgrades – Some policies may help with additional costs required to rebuild according to current building codes.
  • Debris Removal – Coverage may be available for removing covered earthquake debris from your property.
Coverage, deductibles, limits, exclusions, and availability vary by policy and insurance carrier. Contact Jimenez Family Insurance Agency for details.

​Explore Earthquake Insurance with Jimenez Family Insurance Agency

Jimenez Family Insurance Agency helps California homeowners review earthquake insurance options from available carriers, including Palomar.
Our licensed agents can help you:
  • Understand what your homeowners policy does and does not cover
  • Compare earthquake insurance options
  • Review available deductibles and coverage limits
  • Evaluate protection for your home and belongings
  • Find coverage that fits your needs and budget

How to Get Earthquake Insurance

  1. Tell Us About Your Home
Provide your property address and basic information about the home you want to protect.
2. Review Your Coverage Options
A licensed agent will explain available coverage, deductibles, limits, and carrier options.
3. Select Your Protection
​Choose the earthquake insurance option that best fits your property, needs, and budget.

What Should You Consider When Comparing Coverage?

  • The estimated cost to repair or rebuild your home
  • The value of your furniture and personal belongings
  • Whether you could afford temporary housing after an earthquake
  • The deductible you would be responsible for paying
  • Whether your home has been retrofitted or strengthened
  • The earthquake risk in your area
  • Available carrier and policy options
Earthquake deductibles are often calculated as a percentage of the insured value of the home. Our agents can explain how the deductible works before you select coverage.

Why Choose Jimenez Family Insurance Agency?

Licensed Local Agents

Get help from real agents who can explain your earthquake insurance options and answer your questions.

Family Owned Since 1970

Our family has spent more than 50 years helping Southern California families protect what matters most.

Personalized Guidance

We will help you review coverage based on your property, financial needs, and budget.

Do You Currently Have Earthquake Coverage?

Do not wait until after an earthquake to find out what your policy covers. Contact us for an earthquake insurance quote or a review of your current protection.

​Get an Earthquake Insurance Quote

Let a local licensed agent help you explore available coverage, deductibles, and pricing.
Short On Time? Fill out the quick quote form and a licensed agent will contact you for further information.

Already Have Earthquake Insurance? 

We can review your current policy and help you understand your coverage, limits, and deductible.
Prefer to talk with an agent?