--- title: Earthquake Insurance | The Insurance Place in Carlsbad, California description: Earthquakes can happen in California. Earthquake insurance can protect your home and your family when catastrophe strikes. The Insurance Place can help you determine your earthquake insurance needs. --- # Earthquake Insurance ## from The Insurance Place * * * ## Earthquake Insurance Seismic activity around the country has spurred many property owners to consider earthquake insurance. Perhaps nowhere is this more imperative than in San Diego and nearby communities in Southern California. Not only would San Diego be affected by activity along the well-known San Andreas fault line, the Rose Canyon fault, which runs along San Diego’s coastline, has recently caused scientists concern. And additional faults run through or near San Diego as well, including the San Clemente, Elsinore, and San Jacinto faults. Activity in one region can trigger further activity along faults close by, putting San Diegans at risk of severe property damage. Unfortunately, many people think their homeowner or commercial property insurance policies cover earthquake damage, but this is not typically the case. Instead, property owners must take out a separate earthquake policy, which we can obtain through our independent agency. An earthquake insurance policy covers repair and reconstruction, as well as damage to personal property or work furnishings and equipment that result from a seismic event, similar to a homeowner policy. But not all earthquake insurance is the same. Here are some things to ask before selecting a policy: - What does the policy reimburse? - What events are/are not covered by the policy (e.g., tsunamis and tidal waves aren’t usually covered)? - Does it cover the cost of living elsewhere if your home becomes uninhabitable? - What is the deductible if you have to file a claim? - Are there things you can do to your home or business property to minimize damage from an earthquake? Call The Insurance Place at 760-643-2100 for more information about earthquake insurance or reach out online for a quote. You’ll enjoy the peace of mind that comes from knowing your property is protected even in the event of nature’s worst catastrophes. * * * ## Insurance Quotes Give us some info and we'll help you find the best coverage options. [Request a Quote](/earthquake-insurance/quote) ## Insurance Partners [Arrowhead — Bass Underwriters — Berkshire Hathaway Homestate Companies — Bristol West — BTIS — Dairyland Insurance — Foremost Insurance — Kemper — Liberty Mutual — MAPFRE — Mercury — MetLife — National General Insurance — Pacific Specialty — Progressive — Safeco — Tapco — Travelers](/insurance-companies) ## Start Your Earthquake Insurance Quote The Insurance Place strives to offer you quality insurance coverage, a high level of professional service and a long-term relationship. As independent insurance agents in Carlsbad, we’ll research rates and coverage from top insurance companies to find the best insurance rates and insurance plans for you. We do the insurance shopping and comparing for you to save you time and money on your earthquake insurance. * * * ### Want to talk to an agent first? **Call us - we love talking about insurance!** [Contact Our Office](/contact) [Staff Directory](/staff-directory) (A form appears here on the HTML version of this page.) ## From Our Blog [View More Articles](/blog) [**What Every Homeowner Should Know About Their Utility Shutoffs** — Owning a home means taking on a wide range of responsibilities, from mortgage payments to seasonal maintenance. One of the most critical, and commonly overlooked, areas of home safety is knowing how and when to shut off your utilities. In a moment of crisis, like a burst pipe or suspected gas leak,… — Mar 16](/blog/2026/what-every-homeowner-should-know-about-their-utility-shutoffs) [**Managing Equipment: Repair, Replace, or Insure?** — For most businesses, equipment is essential to daily operations. 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Everyday objects and furniture that once seemed harmless can become serious… — Mar 16](/blog/2026/how-to-childproof-your-home-safety-tips-for-new-parents) ```json {"@context":"https://schema.org","@graph":[{"@type":"Service","@id":"https://www.insuranceplace.net/earthquake-insurance#service","url":"https://www.insuranceplace.net/earthquake-insurance","name":"Earthquake Insurance","serviceType":"Earthquake Insurance","description":"Earthquake Insurance quotes from multiple insurance companies in California.","provider":{"@id":"https://www.insuranceplace.net/#organization"},"areaServed":[{"@type":"City","name":"Carlsbad","address":{"@type":"PostalAddress","addressLocality":"Carlsbad","addressRegion":"California"}},{"@type":"City","name":"San Diego","address":{"@type":"PostalAddress","addressLocality":"San Diego","addressRegion":"CA"}},"Southern California",{"@type":"State","name":"California"}],"image":{"@type":"ImageObject","@id":"https://www.insuranceplace.net/earthquake-insurance#image","url":"https://webtricity-assets-1.wbtcdn.com/images/s/pexels-stephen-leonardi-587681991-18559624-1170x780.45f7a0ffa7cfff96c5a92cb114abaa93f28b366eb51dd344b5886a9ad4831920.jpg","width":1170,"height":780}},{"@type":"Organization","@id":"https://www.insuranceplace.net/#organization","url":"https://www.insuranceplace.net/","name":"The Insurance Place"},{"@type":"WebPage","@id":"https://www.insuranceplace.net/#webpage","url":"https://www.insuranceplace.net/","name":"Earthquake Insurance | The Insurance Place in Carlsbad, California","description":"Earthquakes can happen in California. 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