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services for individuals

Earthquake Insurance

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The Importance of Earthquake Insurance

Stability Amidst Shaking

Standard homeowners insurance typically does not cover earthquake damage, leaving many homeowners vulnerable to significant financial loss. Earthquake insurance fills this gap, offering vital protection against the damages caused by seismic events. At Wright-Gardner, we offer tailored earthquake insurance policies designed to safeguard your property and financial stability.


Our earthquake insurance covers the cost of repairing or rebuilding your home, as well as replacing personal belongings damaged during an earthquake. Additionally, our policies provide coverage for additional living expenses if you need to temporarily relocate while your home is being repaired. With Wright-Gardner, you can rest assured that you are prepared for the unexpected.

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Personal Belongings Coverage

In addition to structural damage, earthquakes can also cause significant damage to personal belongings. Our policies provide coverage for the repair or replacement of personal items such as furniture, electronics, and clothing.

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Structural Damage Coverage

Earthquake insurance covers the cost of repairing or rebuilding your home’s structure, including the foundation, walls, and roof. This ensures that your home can be restored to its original condition after an earthquake.

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Additional Living Expenses

If your home becomes uninhabitable due to earthquake damage, our insurance provides coverage for additional living expenses. This includes the cost of temporary housing, meals, and other necessary expenses while your home is being repaired.

  • Do I need earthquake insurance if I don’t live in a high-risk area?

    While the risk of earthquakes is higher in certain areas, they can occur anywhere. Having earthquake insurance provides peace of mind and financial protection, regardless of your location.

  • What is the deductible for earthquake insurance?

    Earthquake insurance typically has a percentage-based deductible, which means it is a percentage of the coverage limit. Our team will help you understand the specifics of your policy and choose a deductible that fits your needs.

  • Can I add earthquake coverage to my existing homeowners policy?

    Earthquake coverage is usually purchased as a separate policy or endorsement. Our consultants can help you integrate earthquake insurance with your current coverage to ensure comprehensive protection.


  • Are there any exclusions in earthquake insurance policies?

    While earthquake insurance provides broad coverage, there may be exclusions such as pre-existing damage or wear and tear. Our team will help you understand any exclusions and ensure your policy meets your needs.

get the right coverage today

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Ready to Secure Your Home?

Wright-Gardner Agency is committed to providing exceptional earthquake insurance solutions tailored to your unique needs. With over a century of experience, our boutique agency offers unparalleled personal service and expert advice, ensuring your complete satisfaction.

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