Earthquake insurance Orange County homeowners can rely on
Why quake coverage matters in Southern California
Standard home policies exclude earth movement, which is why earthquake insurance Orange County households need is written on a separate form. Options exist for single family homes, condo insurance units, and renters insurance, with choices for dwelling, contents, and loss of use. Philip B. Robinson Insurance explains CEA and private market options, deductible structures, and how coverage responds after shaking damages walls, foundations, or interiors.
Choosing limits and deductibles
We start with realistic rebuild cost, then add contents at replacement cost and loss of use that reflects local hotel and rental prices near Laguna Niguel, Laguna Beach, and Dana Point. Deductibles are a percentage of the dwelling limit, and we explain how that works at claim time. High value homes can add expanded coverage options and higher sublimits for code upgrades and breakage of fragile items when available.
Coordinating with your primary carrier and trust titling
We match named insureds across earthquake and home policies, confirm trust or LLC ownership, and verify that mortgagee and lender information is correct. For condo owners, we check master policy terms so your unit’s interior coverage and loss assessment limits are set correctly.
Is retrofitting required or discounted?
Some carriers provide credits for documented seismic retrofits like foundation bolting and cripple wall bracing. Even when not required, retrofits can improve safety and claim outcomes, and we help you document upgrades for underwriting.
Does a condo master policy include earthquake?
Many associations do not carry master earthquake coverage or carry limited amounts. Your unit policy can include building items you are responsible for and loss assessment for certain HOA charges after a covered earthquake loss.
Can I add earthquake to a rental property?
Yes. Landlords can purchase separate coverage for rental homes and condos. We set loss of rents and building limits to reflect local market rents and realistic repair timelines.
How do earthquake deductibles work?
They are a percentage of Coverage A. We show how different percentages apply to your home’s limit so you understand potential out-of-pocket costs and can choose a level that balances premium and risk.
Is contents coverage included automatically?
Some policies offer contents and breakables as options. We confirm limits for furniture, electronics, and valuables and schedule items when needed.
Local insight with clear comparisons
Philip B. Robinson Insurance compares CEA and private earthquake markets and returns a side by side summary. We coordinate with homeowners insurance so documents and named insureds match, and we adjust coverage when renovations change rebuild cost.
Request an earthquake quote
Send your address, year built, foundation type, and any retrofit details. We will return options that reflect how Orange County homes are built and priced.