Earthquake Coverage
Our protection that stands firm when the ground doesn’t. Standard homeowners policies don’t cover earthquake damage — leaving many families financially exposed when the unexpected strikes. Riemer Insurance Group provides specialized Earthquake Coverage designed to protect your home, belongings, and rebuilding costs from seismic events. Whether you live in a high-risk zone or simply want comprehensive peace of mind, Riemer helps ensure your property and investment stay secure.
Typical Risk Scenarios We Help Solve
Structural cracking or collapse after ground movement, broken utilities causing fire or flooding, or loss of use while repairs are made—Riemer ensures your policy responds quickly so you can recover and rebuild with confidence.
Why Choose Riemer?
At Riemer, we understand that earthquake protection isn’t one-size-fits-all. We work with leading carriers that specialize in catastrophe coverage to tailor policies based on your property’s location, construction type, and risk tolerance.
Our advisors take a proactive approach—reviewing your current homeowners or condo policy to identify exclusions and potential coverage gaps. For high-value and luxury homeowners, we can integrate earthquake protection seamlessly into your Homeowners, Flood, and Umbrella programs, ensuring complete, coordinated coverage across your property portfolio.
Who We Cover
Riemer offers earthquake insurance programs for:
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Homeowners in earthquake-prone regions or coastal zones
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Owners of luxury and high-value homes
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Condominium and townhouse owners (walls-in protection available)
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Landlords and investors with residential rental properties
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Seasonal or secondary homeowners in affected areas
Core Coverages
Our earthquake insurance programs are designed to fill the gaps left by standard homeowners policies, providing broad protection for both structures and contents. Coverage can include:
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Dwelling Coverage – Pays to repair or rebuild your home after earthquake-related structural damage
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Detached Structures – Extends protection to garages, guesthouses, or outdoor features like retaining walls and patios
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Personal Property Coverage – Covers damaged furniture, appliances, and valuables inside your home
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Loss of Use / Additional Living Expenses – Pays for temporary housing and living costs while your home is being repaired
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Building Code Upgrades – Covers increased rebuilding costs required to meet modern codes after a covered loss
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Debris Removal & Emergency Repairs – Reimburses costs for cleanup, safety measures, and immediate stabilization
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Condo “Walls-In” Coverage – Protects interior finishes and personal property for unit owners not covered by the association master policy