Earthquake Insurance provided by Browne Insurance Services

While you can’t plan for earthquakes, you can be prepared — and that can make all the difference. Earthquake coverage can help cover your finances if something happens to your home, condo or rental unit. Because damage from earthquakes isn’t typically covered under standard homeowners, condo or renters policies, it’s key to get coverage even if you’re not living in California or Hawaii.
What is Earthquake Insurance?

Earthquake insurance covers damage to your home, personal belongings and additional living expenses if you need to temporarily live somewhere else after an earthquake. Standard homeowners and renters insurance policies typically don’t include earthquake coverage, but you may add it to an existing homeowners insurance policy as an endorsement or purchase it as a separate policy.

What is covered under Earthquake Insurance?

Standard homeowners insurance policies generally don’t cover damage from earthquakes and floods. That’s why people buy separate earthquake insurance – or flood insurance if you live in an area prone to those disasters. Here are some things covered by earthquake insurance once you’ve paid your earthquake deductible:

  • Earthquake damage to the home or other structures on the property
  • Earthquake damage done to personal property
  • Additional living expenses if earthquake damages make your home temporarily uninhabitable
Why is Earthquake Insurance important?

Earthquake insurance is worth it if you live in a high-risk area

  • Earthquake insurance is not included in standard homeowners insurance but must, instead, be purchased as a separate rider.
  • States located near fault lines (California, Alaska, Oklahoma, etc.) are more likely to experience earthquakes.
  • You should consider purchasing earthquake insurance if you live near a fault-line or high risk area.

We don’t think the unthinkable will happen until it does. But the very essence of insurance is to help us be prepared for the unthinkable and to lower our financial burden of losses. Earthquake insurance is no exception. Adding an earthquake endorsement to your homeowners insurance policy will help to protect you from minor or catastrophic losses resulting from an earthquake. If you live near an active fault line or in a high or moderate risk area, earthquake insurance may be essential to your peace of mind.

Call us now to know more about Earthquake insurance. 

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As an independent agency, Browne Insurance Services
Helps you find the right Earthquake Insurance Coverage
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Palm Springs, CA
190 W Amado Rd Palm Springs, CA 92262
We extend coverage to individuals and businesses in Campbell, Palm Desert, Palm Springs, Pollock Pines, and Santa Clara areas.

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  • Dwelling
  • Personal Property
  • Additional Living Expenses
  • Cherished Salvage
  • Spare parts and automotive tools coverage
  • Disabled vehicle coverage

Dwelling coverage

Risk Factors

Earthquake can damage your home and internal structures in your home. If you don’t have a coverage, you need to pay for repairs from your own pockets.


This coverage accounts for the rebuild or repair cost of the home and other structures on the property in the event of earthquake damages. 

Personal property Coverage

Risk Factors

Earthquake can cause damage to your interior furniture & fixtures and you are bound to pay for their replacement.


If your personal property, like furniture, electronics or other valuables are damaged in an earthquake, this has you covered up to certain limits. 

Additional living expenses Coverage

Risk Factors

By the time your house is under repair, you need another house to stay or you need to stay in a hotel. If you don’t have enough coverage, you would need to pay the accommodation expenses all by yourself.


This coverage pays additional living expense costs needed if you are required to live elsewhere temporarily due to earthquake damage to your home. 

Cherished Salvage Coverage

Risk Factors

Your classic vehicle is totaled by a problem that’s covered by the policy (like a car accident or flood) and damages your vehicle.


With this coverage, you’ll have the right to keep the salvaged car and still get a pay-out from the car insurance company (minus your deductible).

Spare parts and automotive tools coverage

Risk Factors

You take your classic car to the service station and they ask you to replace some damaged spare parts with the new ones.


This covers spare parts and personal tools used to maintain or restore your classic car. Some auto insurance companies might cover spare parts even if they are not intended for the vehicle on the policy.

Disabled vehicle Coverage

Risk Factors

This insurance type might include coverage for roadside assistance which typically needs to be paid by you if you don’t have the coverage


It typically pays for towing and delivery of items like fuel or oil. You might also be able to include trip interruption insurance, which covers the cost of transportation, lodging and meals if your car breaks down outside a certain distance of your home.

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