Most "instant quote" sites hand you a number and disappear. We give you a fast pricing indication anchored to real 2026 California rate data — then independent brokers shop the market, review your retrofit and construction details, and turn that indication into bindable options.
We're independent — not tied to any single carrier. Your indication is just the opening move; from there we shop a deep bench of residential earthquake markets to find the appetite, terms, and price that fit your property.
Carrier names indicate markets we access; availability and appetite vary by property class, county, construction, and underwriting. Not all carriers write every risk.
Your homeowners policy covers fire, water, and theft — but excludes ground movement entirely. Earthquake insurance fills that gap, and the structure of the coverage matters as much as the price.
Covers damage to the home's structure caused by earthquake shaking. The limit is typically tied to your homeowners Coverage A value.
Covers contents damaged by earthquake. Separate from the dwelling deductible on some policy forms — worth confirming the structure before binding.
Additional living expenses if the home is uninhabitable after a quake — hotel, meals, and temporary housing while repairs happen.
Covers the cost of bringing repairs up to current code — important in California where code requirements can add significantly to repair costs.
Automated earthquake quotes are useful for one thing: a fast ballpark. But most are preliminary — still subject to eligibility, retrofit documentation review, carrier appetite, and underwriting before anything can bind. We give you the speed and the part the robots can't: independent judgment working for you.
Earthquake pricing isn't just about location. Construction type, foundation, retrofit status, deductible selection, and age of the home all move the rate — sometimes dramatically. An independent broker reviews all of it before shopping the market, so you get terms that actually match your property.
Location factor by county: San Andreas, Hayward, Newport-Inglewood, Cascadia — carrier pricing reflects proximity and basin conditions.
Wood frame, masonry, raised, slab, post-and-pier — each combination moves the rate. Brick masonry and unreinforced foundations can face surcharges or exclusions.
Verified cripple wall bracing, foundation bolting, and water heater strapping can reduce premiums and expand deductible eligibility. We help you document it.
5–25% dwelling deductibles — lower deductibles cost more but matter enormously in a real claim. Pre-1980 raised foundation homes may face restrictions below 15%.
California's strict seismic code requirements mean repair costs often exceed damage costs. BCU coverage bridges the gap — and carriers have different sublimit structures.
For specialty risks — hillside homes, pre-1940 properties, brick construction — we follow up personally to bring back your best bindable options.
County pages are written around high-risk fault corridors, basin amplification, older housing stock, and the coverage questions that matter most for each local market.
Real 2026 pricing anchored to CDI data, no email wall to see your number, and your signed application completed right here. Your submission is reviewed by a licensed California broker who shops the market to turn it into bindable options.
Anchored to the latest CDI residential earthquake market study, adjusted for property details you enter.
Enter a county to see the local risk context.
Indication model uses CDI 2024 $885.96 avg. premium and $1.57 / $1,000 homeowners EQ rate, adjusted for county, construction, foundation, age, and retrofit factors.
Your earthquake quote application has been submitted to Bollinsure for broker review. You'll hear from us shortly — often the same business day.
questions? quotes@bollinsure.com · 310-804-5017