California Earthquake and Flood Insurance Guides
Standard California homeowners, condo, and commercial property policies usually exclude earthquake and flood. These guides explain when separate coverage makes sense, how deductibles work, and what landlords of soft-story buildings should review.
Start here
- California Earthquake Insurance: Do You Need It?Most California homeowners and condo policies exclude earthquake. Learn what quake coverage pays for, how deductibles work, and when it is worth buying.
More guides and updates
- California just shook again. Most property owners still have no earthquake insurance.The M3.8 Hayward Fault quake is a reminder that most California homeowners policies exclude earthquake damage. Review CEA and stand-alone options.
- The $1 Trillion Earthquake Warning: Is Your California Property Financially Protected?What a major California earthquake could mean for property owners, and how earthquake coverage fits in.
- Soft-story apartment owners: seismic retrofits, earthquake coverage and loss of rentsSan Francisco and Oakland soft-story retrofit rules, and how retrofit status affects earthquake insurance and loss-of-rents coverage for landlords.
- A record El Niño winter is coming: should you buy flood insurance in California this month?A record El Niño could bring strong atmospheric rivers. Most California home policies exclude flood, and NFIP has a 30-day wait. What to do now.
Get help with your coverage
Questions about your own policy? Go to Get a Quote and choose Homeowners Insurance or Condo Insurance and tell us you want earthquake or flood options, or call (415) 440-5136. ESI Insurance Brokers is Express Service Insurance Agency, Inc., CA LIC# 0G83954, 2085 Van Ness Ave, San Francisco, CA 94109.
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