Comprehensive Earthquake Insurance

simple. smart. earthquake coverage for homeowners

Peace of Mind

CSIA has been providing Earthquake protection for over 45 years.

Simple. Smart. Insurance

Customers told us the things they disliked about Insurance and we listened

Tailored Coverage

Our goal is to provide you with the best coverage at the most competitive price

Protect what you love

Safeguard your house, belongings, and more affordable with homeowners insurance

Types of

Information that helps you plan, prepare and protect.

Earthquake Coverage

The cost of Earthquake insurance coverage varies significantly – it all depends on your area’s level of risk. Earthquake insurance premiums can be relatively inexpensive if you live where earthquakes are rare and incresaed costs where they happen more frequently. In California, where earthquake insurance is issued by the California Earthquake Authority (CEA), you can purchase this coverage by contacting your agent. If you live in other states, your agent can discuss earthquake insurance options so you can select the coverage and limits that meet your specific needs.

Dwelling Coverage

Sometimes this is referred to as Coverage A and covers your home up to a certain amount, called the limit.

Your personal property coverage

This is sometimes referred to as Coverage C and covers things in your home, like furniture, TVs, and computers.

Additional living expenses (ALE) or loss of use

This is sometimes referred to as Coverage D and covers temporary and extra costs to live somewhere else while your area is evacuated or your home is repaired.

Common Earthquake Insurance Exclusions


Earthquake insurance usually does not cover anything that your homeowners policy already covers. For example, your homeowners policy covers fire damage, even if an earthquake causes the fire. Therefore, your earthquake policy does not cover fire damage.


Usually, earthquake insurance does not cover damage to your land, such as sinkholes from erosion or other hidden openings under your land. You may be able to buy limited additional coverage to restore or stabilize land.


Earthquake insurance does not cover damage to your vehicles. Check your auto insurance policy to find out if it covers that damage.


Earthquake insurance does not cover water damage from outside your home, such as sewer or drain back-up, flood, or tsunami. For example, if you live near a lake that floods your home after an earthquake, earthquake insurance will not pay to repair the damage. A flood insurance policy will cover you.

What happens if...

Simple. Smart. Insurance protecting what matters

Yes, your homeowners insurance covers a large number of perils. However, you should always consult with your agent on Insurance limits and coverage.

If the unexpected happens, losing your home contents could be distressing as well as financially devastating. Your Farmers homeowners, Townhouse, Condo and Renters policies cover the loss of your personal belongings, subject to the policy limits and conditions.

Your home is probably the single largest investment you'll ever make. By insuring your home, you are helping to protect your investment.

A deductible is the amount you’re responsible for in the event of a covered loss.

For home policies, there are three common types of deductibles: A flat deductible, A percent deductible and A split deductible.

You can let your CSIA agent know, but to get the claims process rolling fast, you can report a claim online period.

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