InsuranceFirst Services
Earthquake & Flood
Insurance
Your standard homeowners policy won't cover these disasters. We'll help you close the gap with the right coverage before you need it.
Coverage Gap Alert
What Your Homeowners Policy Doesn't Cover
Most homeowners don't find out until it's too late. Here's what you need to know.
Standard homeowners insurance does NOT cover earthquake damage
Standard homeowners insurance does NOT cover flood damage
California sits on major fault lines — seismic risk is real statewide
FEMA flood maps show risk in areas many homeowners don't expect
Both disasters can cause six-figure losses with zero coverage without a separate policy
We shop multiple carriers to find you the best rate on both
Earthquake Insurance
Seismic Protection for Your Home
California has more than 500 active fault lines. We shop CEA and private carriers to find you the right protection.
Dwelling Coverage
Repairs or rebuilds your home's structure — walls, foundation, roof — after earthquake damage.
Personal Property
Replaces furniture, appliances, electronics, and other belongings damaged or destroyed in a quake.
Loss of Use
Covers temporary housing and living expenses while your home is being repaired.
Emergency Repairs
Pays for immediate repairs needed to prevent further damage after a seismic event.
Building Code Upgrades
Covers the added cost of bringing your rebuilt home up to current building codes.
Masonry & Chimney
Specifically covers brick, stone, and chimney damage — common in California earthquakes.
Flood Insurance
Flood Coverage Beyond the NFIP
We compare NFIP and private flood carriers to find you broader coverage, faster claims, and better value.
Building Coverage
Covers the physical structure of your home including foundation, walls, electrical, plumbing, and HVAC systems.
Contents Coverage
Protects personal belongings — furniture, clothing, electronics — from flood damage.
Basement & Foundation
Covers flood damage to your basement, foundation walls, and essential systems located below grade.
Replacement Cost Value
Private flood policies can offer replacement cost coverage — often better than NFIP's actual cash value.
Debris Removal
Pays for the removal of flood-deposited debris from your property after a covered event.
Additional Living Expenses
Covers hotel stays and meals if your home is uninhabitable due to flood damage.
Common Questions
Frequently Asked Questions
Does my homeowners insurance cover earthquakes?
No. Standard homeowners policies specifically exclude earthquake damage. You need a separate earthquake insurance policy — either through the California Earthquake Authority (CEA) or a private carrier. We can help you compare both options.
Does my homeowners insurance cover floods?
No. Flood damage is excluded from standard homeowners policies. Coverage is available through the National Flood Insurance Program (NFIP) or private flood insurers, which often offer broader coverage and faster claims.
I'm not in a flood zone — do I still need flood insurance?
Yes, we recommend it. About 25% of flood claims come from properties outside high-risk flood zones. Heavy rain, storm drains, and changing weather patterns can cause flooding anywhere.
How much does earthquake insurance cost in California?
Premiums vary based on your home's age, construction type, location, and deductible. Older unreinforced masonry homes cost more to insure. We shop multiple carriers to find the most competitive rate for your specific property.
What is the waiting period for earthquake and flood insurance?
CEA earthquake policies typically have a 10-day waiting period. NFIP flood policies have a 30-day waiting period. Private flood policies may have shorter waiting periods. Don't wait until a storm or seismic event is forecast.
Can I bundle earthquake and flood insurance with my homeowners policy?
They are separate policies, but we can coordinate all three so your coverage is seamless and there are no gaps. We'll review your existing homeowners policy to make sure everything works together.
Don't Wait for Disaster to Strike
Earthquake and flood policies have waiting periods. The time to get covered is now — before a storm or seismic event is in the forecast.
Get Your Free Quote
Tell us what you need and we'll get back to you within 24 hours.
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