What Does Earthquake Insurance REALLY Cover? (Surprising Gaps & Key Protections)

Most people assume that earthquake insurance covers everything — but the truth might surprise you. In this video, we break down exactly what earthquake insurance really covers… and what it doesn’t. If you’re a homeowner in California or other high-risk zones, you’ll want to understand: ✅ What’s covered: Dwelling, Other Structures, Personal Property, Loss of Use, Loss Assessment & Building Code Upgrades 🚫 What’s not covered: Pre-existing damage, floods, fire aftershocks 💡 Common misconceptions that could cost you thousands 🏡 Real-world examples with a home layout to explain each section 00:00 – Intro: What Does Earthquake Insurance REALLY Cover? 00:45 – Earthquake Insurance vs. Homeowners Insurance 01:22 – Dwelling Coverage: What It Protects 01:45 – Other Structures: Detached Garage, Pool, Retaining Wall 02:15 – What California Earthquake Authority (CEA) Does Not Cover 03:23 – Personal Property: What’s Included 03:47 – Loss of Use: Temporary Housing & Rent 04:21 – Loss Assessment: HOAs and Common Areas 04:39 – Building Code Upgrade Coverage 05:10 – Deductibles: How They Work and Surprise Homeowners 06:00 – What’s NOT Covered by Earthquake Insurance 06:03 – Pre-Existing Damage & Settlement 06:20 – Flooding After a Quake: Not Covered 06:41 – Fire Caused by Quake: Covered by Fire Insurance 07:14 – Final Recap & What to Do Next 07:22 – Visit EarthquakeAgent.com or Call for a Quote Don’t wait until after a quake to find out what’s missing from your policy. 👉 Visit us at https://earthquakeagent.com to learn more or request a quote. 📞 Or call us directly — we’ll review your policy and help you compare your options!