Earthquake Insurance
Shaky ground requires stable insurance.
California has a 99% probability of experiencing a 6.7 magnitude or greater earthquake in the next 30 years
according to the U.S. Geological Survey. Yet, less than 12% of homeowners carry Earthquake insurance.
Prepare now.
Cost and coverage:
Many factors affect the cost of Earthquake insurance earthquake damage:
- The age and location of your home
- Construction style
- Proximity to a fault
- Deductibles
- Coverage amounts
Universal North America offers both Comprehensive and Limited Earthquake insurance options to meet the needs of your budget.
-Our Limited policy includes basic coverage to protect your home
-A Comprehensive policy includes coverage for your home, other structures such as patios and pools, personal property and additional
living expenses should you have to vacate your home after an earthquake
Coverage* | UNA Comprehensive Policy | UNA Limited Policy |
---|---|---|
Dwelling | $250,000 | $250,000 |
Other Structures | $25,000 | Excluded |
Personal Property | $125,000 | $5,000 |
Additional Living Expenses | $25,000 | $1,500 |
Deductible %/$ Amount | 10% / $25,000 | 15% / $37,500 |
*Sample home insured for $250,000. Policy subject to limitations. **Dwelling deductible amount. Deductible applies separately for dwelling, other structures and personal property. |
Ten Steps to Prepare for Earthquake:
For more information regarding earthquake coverage, please contact your agent.
Easy online access
Managing your policy is easy with Universal's special website feature, My Universal. Make payments and gain access to important policy documents online. Log in