Type of Coverage:

Earthquake Insurance from GMG Insurance Laguna

As Californians, small tremors don’t rattle us, yet we fully understand the damage that can happen from an earthquake and subsequent aftershocks, depending on size and location. Communities throughout Orange County are at risk – from faults in Puente Hills, Whittier, San Joaquin Hills and beyond, just to name a few. We take precautions, and keep our homes stocked with supplies. Some of us carry earthquake insurance, too. But many, unfortunately, do not. In fact, only 17% of California homeowners have earthquake coverage.

The Importance of Earthquake Coverage

Earthquake insurance can protect your home and possessions from costly damage. It’s not only the gaping cracks in the ground and crumbled buildings that are of concern in an earthquake. Home exteriors can be damaged in smaller quakes, necessitating expensive repairs to brick and stucco. Foundations and cement slabs can also crack. Sprinkler systems are often activated, leading to significant interior water damage, and items can be knocked off of shelves and walls.

What’s more, if your home has expensive art, draperies, flooring or crystal and they were damaged as a result of a quake, a typical homeowners insurance policy wouldn’t cover restoration or replacement. If your home were rendered uninhabitable because of earthquake damage, your homeowners policy probably wouldn’t cover your temporary living expenses. You need an earthquake insurance policy for these earthquake-related costs.

Coverage You Might Not Expect

Some earthquake policies cover events caused by an earthquake, such as mudflow, landslides, and sinking of the foundation. Coverage can be secured for primary residences, vacation homes, mobile homes, and condominiums. Renters can also benefit from an earthquake insurance policy.

Be sure you can rebuild with earthquake insurance.

Turn to GMG Insurance Laguna for personalized attention on managing your assets and securing products that accommodate your lifestyle, now and as it changes over time. Contact us (949) 715-7981 or email at