Earthquake Insurance in California

Why Buy Earthquake Insurance in California?

Earthquakes are unlike any other natural disaster. There aren’t any warning signs or advanced notice. One thing is certain: California, with nearly 16,000 known faults, is due for a devastating earthquake in the near future.

Earthquake insurance is not required in California, unlike automobile liability insurance. If you choose not to protect yourself with earthquake residential insurance, you will be responsible for 100 percent of the cost to repair your home and replace your belongings after a major earthquake.

When Should I Buy Earthquake Insurance?

You may receive a letter from your insurance company offering you an earthquake insurance policy. Since the 1980s, California law has mandated that insurance companies selling residential insurance also offer earthquake insurance. By law, your insurer is required to send a mandatory offer letter at least every two years if you do not yet have earthquake insurance. But don't worry if you happen to miss the due date shown in your mandatory offer letter! You can purchase an earthquake insurance policy at any time, simply by contact Wai Cheng Insurance Agency.

Protect your home before the next big earthquake strikes by contacting us. You also don't have to wait until your residential policy renews in order to purchase an earthquake policy.

How Much Coverage Do I Need?

Answer the following three questions to determine your need to buy earthquake insurance in California:

  • Can you afford the cost to rebuild or repair your home if it is damaged in a major earthquake?
  • Can you replace your personal belongings if they are damaged or destroyed?
  • Can you pay for temporary housing if there is structural damage that makes your home uninhabitable or a civil authority prevents entry to your neighborhood because of earthquake damage?

Because the risk for earthquake damage is great in California, there is homeowners coverage for the structure of the house, building code upgrades and emergency repairs. Renters, mobile home owners and condo-unit owners have customized coverage choices. We also provide separate coverage options for belongings and additional living expenses.


We serve clients all across California.