Arrowhead Earthquake Insurance

Since the Northridge earthquake in 1994, insurance companies have been raising premiums, and restricting the types of earthquake insurance policies they offer to homeowners, and renters.  This has created a huge opportunity in the marketplace for competing insurance companies to create a reasonable, and competitively priced, high quality insurance for those needing earthquake insurance.  The Arrowhead Earthquake Insurance program offers insurance products with more coverage, higher limits and lower deductibles.  They boast very competitive rates depending on the geographic location, the age and risk of the structure.   

What type of earthquake insurance you get will depend on what coverage you want.  A policy may include coverage for the damage to your house, any other structures on your property, your personal belongings inside your home, additional living expenses while your home is being rebuilt or repaired, and coverage for any collateral damages and for building codes and ordinances to pay for upgrades or demolition to your home.   

The Arrowhead Earthquake Insurance program lets you choose the amount of protection you would like.  They offer a Superior Earthquake policy, Standard EQ, and Condo EQ policy.  Whichever policy you decide to go with, the insured amount on the structure has to be equal to or greater than your homeowner’s policy that should accompany the earthquake policy through Arrowhead Insurance as well.  The Superior EQ policy has you choose the amount you want your dwelling covered at, and it covers other structures on your property at 10%.  The contents, or personal property in your home is covered at 50%, gives you Loss of Use coverage at 20% up to $25,000, Loss Assessments at $10,000, and your deductible can be set at 10%, or 15%.  

 The Standard EQ policy has you choose the amount you want your dwelling covered at, but has no coverage for other structures on your property, and no coverage for loss assessments.  Your personal contents are covered at $5,000, Loss of Use coverage is $1,500, and your deductible is set at 15%. 

 

The Condo EQ policy dictates that the condo must be built 1960 or newer, and it sets the dwelling limit at $25,000, and the content limit at a minimum of $25,000 to a maximum of $500,000.  The Loss of Use coverage is set at $2,500, the Loss Assessments at $5,000, and your deductible is set at 10%.   The applications for insurance policies or rate quotes can be completed securely and quickly online.

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