Umbrella, Earthquake & Flood

UMBRELLA, EARTHQUAKE & FLOOD INSURANCE

Protect personal assets from a lawsuit with umbrella insurance

At a relatively low cost, these policies afford an additional layer of coverage, sold in one million dollar increments, above and beyond the level of protection afforded under your other insurance policies.

Do you have enough
liability insurance?

Imagine what would happen if your dog was to bite a neighbor’s child, or if there was an accident on your rental property. What would happen if you are involved in a car accident where there are injuries? If any of these things happened to you, there’s a good chance your current liability limits wouldn’t be adequate to protect your assets, or your future earnings.

Broad
Coverages

An umbrella insurance policy can offer coverage for some claims not covered by your home, auto, or other underlying insurance. The policy covers not just you, but your spouse and all family members living in your household, anywhere in the world. Legal defense fees are also paid.

The most important areas to know about earthquake insurance:

Earthquake Coverage

Most home insurance policies do not cover earthquake damage.

Likely Earthquake Regions

Even if you don’t live in an area where earthquakes are common, you may still need earthquake insurance.

Earthquake
History

Earthquakes have occurred in 39 states since 1900, and about 90% of Americans live in areas considered seismically active.

We offer two Earthquake Insurance coverage options

Comprehensive Coverage

This program offers you broad protection for your dwelling, other structures, personal property, and additional living expenses. Comprehensive earthquake insurance policies come with a 10% deductible in most areas—lower than most deductibles offered by other earthquake policy carriers!

Standard Coverage

This plan is designed to provide protection for the dwelling and limited coverage for your personal possessions and additional living expenses. This policy includes a 15% deductible (10% is available exclusively in Washington and Oregon) and can provide substantial savings in premium when compared to similar earthquake coverage offered by other insurance carriers.

What does earthquake insurance cover?

Earthquake insurance provides coverage if your home is damaged by an earthquake. Standard homeowner and renters’ policies will not cover earthquake damage. Earthquake insurance is a separate endorsement you must buy and add to your homeowner or renters’ policy.

An earthquake endorsement generally excludes damages or losses from floods and tidal waves – even when caused or compounded by an earthquake. However, if you experience a loss due to a landslide, settlement, mudflow, or the rising, sinking and contracting of earth, your endorsement may cover it if the damage resulted from an earthquake.

Options to consider when purchasing earthquake insurance:

Does the policy cover only your home? Are other structures, such as garages, also included?
Will your policy pay for the contents of your home and for additional living expenses if your home is badly damaged or destroyed?

Are there any exclusions or limitations to coverage?
What deductible must you pay before the insurance kicks in?