Earthquake Insurance in Napa, CA
Napa knows earthquakes firsthand. The 2014 South Napa earthquake caused significant damage and remains the most powerful Bay Area quake since 1989. If you own a home in Napa or the surrounding area, earthquake insurance deserves serious attention.
Why Standard Homeowners Policies Exclude Earthquake Damage
Homeowners insurance can cover sudden, accidental losses like fire, theft and vandalism. Earthquake damage may fall into a separate risk category that insurers price and underwrite independently. The exclusion is standard across all policies, which means a quake can leave you exposed unless you carry a separate earthquake policy.
What Does Earthquake Insurance Cover?
A policy from the California Earthquake Authority (CEA) or a private insurer can include:
- Dwelling coverage to cover repairs to your home and attached structures
- Personal property coverage to help pay for the repair or replacement of damaged belongings
- Loss of use coverage to cover meals and accommodations if your home is rendered uninhabitable
- Emergency repairs coverage to help with immediate repair costs after a quake
The Value of Seismic Retrofitting
Napa homes built before modern seismic codes can be more vulnerable to earthquake damage. Retrofitting may anchor the structure to its foundation and strengthen the cripple wall. It may reduce the risk of damage and qualify your home for a retrofit discount, which can lower your rate.
Why Choose Compass of California Insurance Services?
Compass of California Insurance Services has spent 25 years advising Napa homeowners on earthquake coverage. We work with multiple carriers, including CEA and private insurers, to match clients with policies suited to their homes, budgets and risk profiles.
Contact our team today to review your current coverage and request a quote.