Does AAA renters insurance cover earthquakes?
Asked by: Scottie Weimann | Last update: December 19, 2025Score: 4.2/5 (7 votes)
Does AAA renters insurance cover earthquake damage?
Renters insurance doesn't cover earthquake damage in California. If you live in the Golden State, you'll need to buy a separate unique insurance policy that covers earthquake damage.
How much does AAA charge for earthquake insurance?
AAA earthquake insurance is available to renters and homeowners in California. The average policy costs approximately $850 per year. Your total premium will depend on various factors, including the age and location of your home.
Are earthquakes covered by renters insurance?
Homeowners, renters, and condominium insurance policies do not cover damage from natural disasters such as earthquakes, floods, and landslides. Earthquake insurance can help pay for some of your losses.
Does renters insurance cover natural disasters?
Your renters insurance may pay to repair or replaced personal property damaged by a covered peril, including high-winds, hail, lightning and/or fire. In some cases, water damage that isn't the direct result of high water/and or flooding may also be covered as a named peril by your renters insurance.
Does Renters Insurance Cover Natural Disasters Like Earthquakes and Wildfires in California?
Which of the following is not covered by renter's insurance?
The following things are not covered by renters insurance: Earthquakes, or flood damage due to weather (though you can always purchase separate flood insurance) Widespread power outages (in most states) Theft of your car, or car parts (though renters insurance would cover belongings stolen from inside your car)
Are renters responsible for natural disasters?
It's a common misconception that any damage caused by a storm or natural disaster is simply the property owner's responsibility. In actuality, both renters and rental property owners have liabilities for property damage.
Why are earthquakes not covered by insurance?
Standard homeowners' insurance does not cover damage resulting from land movement or landslides. Many insurance companies stopped insuring earthquakes in the 1990s after projections suggested that a major earthquake could potentially bankrupt them.
What happens if my house is destroyed in an earthquake?
Step 1: Call your insurance company to file a claim. Step 2: Apply for aid from government organizations. Step 3: Contact your mortgage servicer and let them know what happened. If you can't make your payments, ask to adjust your payments so you don't fall behind and incur fees or face foreclosure.
How much should you pay for earthquake insurance?
How much does earthquake insurance cost? The average cost of earthquake insurance in the US is $800 per year. Keep in mind that insuring a single-family house in California can cost more — between $1,248 to $2,744 annually for $500,000 of coverage.
What insurance do you need for an earthquake?
Dwelling: Dwelling coverage helps you pay to repair or rebuild your home after damage caused by an earthquake. Personal property: If you lose personal property during an earthquake, this insurance can help you pay for replacements. For example, the policy might cover damaged personal items like your TV or furniture.
Can I buy earthquake insurance separately?
CEA does not offer stand-alone policies.
You must have a residential property insurance policy with one of our providers in place in order to purchase a CEA earthquake policy – see the CEA participating residential insurance companies. Step 4: Call Your Insurance Company.
Does AAA cover renters insurance?
Get affordable renters insurance coverage customized for you
Whether you're looking for peace of mind or just to satisfy the requirements of your landlord, AAA offers reliable policies starting at $10 a month. Get a free quote to see how cost-effective it can be to insure your belongings.
Is earthquake insurance tax deductible?
Is earthquake insurance tax deductible? Generally, you can't deduct the cost of insurance you buy for your primary residence. If you use your property for rental income, however, you may be able to deduct the cost of insurance.
How many California homeowners have earthquake insurance?
Despite experiencing 90% of the nation's earthquakes, only 10% of California's residents have earthquake insurance, according to the Federal Emergency Management Agency.
Does AAA have earthquake insurance?
Earthquake insurance is available to renters. The coverage will typically help cover damage to your belongings and temporary housing while your rented property is being repaired.
Do renters need earthquake insurance?
Earthquake insurance for renters is not required in California. If you choose not to protect yourself with earthquake residential insurance, you will be responsible the costs to replace your belongings and the expense of finding another place to live if your rented home is damaged or destroyed after a major earthquake.
Can a 4.8 earthquake damage a house?
It depends on other variables, such as the distance from the earthquake, what type of soil you are on, building construction, etc. That being said, damage does not usually occur until the earthquake magnitude reaches somewhere above 4 or 5.
Does FEMA pay for earthquake damage?
The money can be used for any post-earthquake expenses, although the payout is typically too low to repair serious earthquake damage. FEMA Individual Assistance (IA): MAY be available to you. FEMA's Individual Assistance program grants people money to help recover after a presidentially declared disaster.
What disaster is not covered by insurance?
Earthquakes, landslides, and sinkholes are often excluded from insurance coverage because they are considered “ground movements.” If you live in an earthquake-prone area, you should purchase a separate policy or an earthquake insurance endorsement.
How do I find my earthquake zone?
The easiest way is to find out if a property is located in a Seismic Hazard Zone is to use the California Earthquake Hazards Zone Application or search our collection of online maps. You can also visit one of the California Geological Survey offices (call ahead), or your city or county office.
What are 4 disasters that renters insurance cover?
Most renters insurance policies cover tornadoes, fires, hail, and rain and snow damage (non-flooding). Renters insurance does not cover floods and earth movement, such as earthquakes and sinkholes. Consider including loss-of-use coverage in your renters policy if you're in a disaster-prone area.
Do landlords have to pay for alternative accommodation?
In California, landlords may be required to provide temporary housing, such as hotel rooms, when a rental property becomes uninhabitable due to factors beyond the tenant's control. Examples of such situations include severe damage from natural disasters, major plumbing issues, or substantial mold infestation.
Does landlord insurance cover natural disasters?
Most basic landlord insurance does not include protection against flood or earthquake damage. Consider purchasing additional coverage specifically for these risks if your property is in an area prone to these natural disasters.