Competitive Earthquake Insurance San Diego Rates

We reverse the traditional earthquake insurance San Diego offers. Our agency treats the premiums you pay as if it’s your assets, not ours. With H&M Insurance, everything becomes smooth and crystal-clear. We take a flat fee and pay earthquake insurance claims ultra-quick.

If you live in California, you could be affected by a tremor. Most homeowner, condo, and rental insurance policies don’t cover damage caused by a quake, but coverage can be bought as an endorsement or a separate policy. The most trusted earthquake insurance agency in San Diego will compensate you, from damage to your home and personal property to alternative living arrangements.




(619) 296-0005

#1 Earthquake Insurance San Diego Expert

We are an industry leader in delivering innovative and hassle-free insurance products. H&M is an admitted insurance carrier and is licensed by the Departments of Insurance in California. Our insurance agency provides specialized coverage for catastrophic risks, such as quakes, that are not covered by your standard property insurance policy.

Our exclusive San Diego earthquake insurance includes:

  • Dwelling coverage;
  • Personal property policy;
  • Emergency repairs coverage;
  • Building code upgrade policy;
  • Breakables coverage;
  • Loss of use policy;
  • Exterior masonry coverage.
earthquake insurance san diego

Property Insurance San Diego

rental insurance


After signing a lease on an apartment in San Diego, you may be asked for proof of renters insurance. It will protect your belongings, your visitors and provide additional living expenses coverage. More Info.

earthquake insurance


Potentially catastrophic earthquakes are not rare in California. Having earthquake insurance will compensate the damages to your home, personal property and help you pay for alternative living arrangements. More Info.

fire insurance


Coverage options include dwelling fire insurance, coverage for other structures, belongings coverage, loss of use, and wildfire coverage. Insure your home from grease, candle, and electrical fires. More Info

condo insurance


Outside of the condos is insured by the Homeowners Association master policy. With condo insurance, all your valuable possessions inside the condo are protected. More Info

Earthquake Insurance California Specialist – Call (619) 296-0005 Today

Not sure what earthquake policy in San Diego is right for you? We will help you decide if you are at risk and how to choose a policy to fit your needs and budget. Lower deductibles, better coverages, and more affordable options are now available. Get a free quote in just a few minutes or call us at (619) 296-0005.


H&M Insurance Agency

(619) 296-0005




Why Choose H&M Insurance

We specialize in California earthquake insurance and are focused on assisting clients in protecting their homes and property from a potentially catastrophic quake. From the moment you purchase our insurance policy, you’re acquiring an expert team of property/liability insurance agents dedicated to providing the unique care for your needs.

Consider these facts when choosing the most reliable insurance agency in San Diego County:

  • 50 years of experience in the insurance game;
  • California market specialist;
  • Family-owned firm;
  • Best insurance rates in California;
  • We partner with top-rated insurance companies;
  • Coverage and pricing tailored to your risk management;
  • Quick, easy, and free no-obligation quotes.

Get a Quick Quote

San Diego Earthquake Insurance FAQs

What is Earthquake Insurance?

It’s a form of property insurance that pays the policyholder if a tremor causes damage. More specifically, this insurance covers damages to your house, personal belongings inside your home, and loss of use.

How Does It work?

Damage from quakes is frequently excluded from a homeowner’s policy. Hence, earthquake insurance is a specialized policy that you must purchase separately. It’s designed to cover you if your home is damaged or destroyed as a result of a quake. The deductibles on the standard earthquake insurance policy range from 10% to 25% of the policy coverage value.

What Does Earthquake Insurance Cover?

It delivers coverage if your home is damaged by a tremor. Standard homeowner and renters policies won’t cover earthquake damage. This type of insurance is a separate endorsement you must purchase and add to your renters or homeowners policy. But, if you experience a loss due to a mudflow, settlement, landslide, or the sinking, rising, and contracting of earth, your endorsement may cover it if the damage resulted from a temblor.

What Does Earthquake Insurance not Cover?

It usually doesn’t cover anything that your homeowners policy already covers. This means your earthquake policy doesn’t cover fire damage or damage to your vehicles, land, and water damage from outside your home.

How Much Earthquake Insurance Do I Need?

To pinpoint the minimum amount of insurance you should carry, your dedicated agency needs to estimate what it may cost to rebuild your home after a temblor. Additionally, costs are calculated for other structures, contents, and loss of use.

Will the Earthquake Insurance Policy Pay for Emergency Repairs?

Yes. Once the damage has overstepped the policy’s deductible, the policy covers reasonable emergency repairs in an amount of up to 5 percent of the home’s insured value as part of the policy’s dwelling limit. Plus, it covers debris-removal costs in an amount of up to 5 percent of the home’s insured value as additional coverage.

Should Tenants Get Earthquake Insurance?

Renters in quake-prone areas should consider adding this insurance to their policies. As with homeowners, earthquake combined with renters insurance has higher deductibles and lower coverage limits. Even so, it’s better than paying for everything out of pocket.

Do I Need Earthquake Insurance in San Diego?

It depends. Earthquake insurance isn’t compulsory, but since you live on the West Coast, your home might be at risk of suffering irreparable damage. California law requires homeowners insurance firms to offer add-on earthquake coverage. Still, there’s no law forcing anyone to actually buy a policy.

How Much is Earthquake Insurance in San Diego?

The cost of protection against quakes sweeps from $2.90 to $3.10 per $1,000 of coverage in San Diego. For $550,000 of coverage (the median home price in San Diego County), the annual premium is estimated to be $1,650. Home to 1.4 million residents, the San Jacinto, Elsinore, and Rose Canyon fault lines, the city also has a 75% chance of a magnitude 7.0+ quake in the next 30 years, according to the CEA (California Earthquake Authority).

What Happens if I Don’t Have Earthquake Insurance in California?

If you have tremor damage and don’t have this insurance to help you pay the costs, your financial obligations like your mortgage won’t just fade away. You may need to continue to pay a mortgage and also defray for an alternative place for living out of your own pocket, even if your residence is destroyed or damaged.


Homeowners Insurance San Diego

Homeowners Insurance
What does homeowners insurance cover? What is the average cost and how to win the homeowner’s policy discount? Our insurance experts explain home insurance San Diego in detail.

California Fire Insurance

California Fire Insurance
Have concerns about California fire insurance and homeowner’s insurance in fire-prone areas? Our reps explain the fire insurance policy so you can have the best coverage.

Flood Insurance San Diego

Flood Insurance
What does flood insurance cover and why you should buy one? Does renters insurance cover flood? Learn about the national flood insurance program and the flood insurance rate map.

California Earthquake Insurance

California Earthquake Insurance
We all know that earthquake insurance in California is MUST. Get in touch with us and provide your home with the best earthquake insurance San Diego offers.

Condo Insurance San Diego

Condo Insurance
If you don’t know what is condo insurance ho6, how much it costs, average prices in San Diego or just looking for the best condo insurance quote this is the page for you.

Renters Insurance California

Renters Insurance California
Our agents explain how much is renters insurance, what does it cover and help you to get the most affordable renters insurance California has to offer.

Landlord Insurance San Diego

Landlord Insurance
If you are renting out an apartment or house, you should consider landlord insurance. We explain landlord insurance costs and help you grab the best quote.

Property Insurance San Diego

Property Insurance
Our agency offers property and casualty insurance, rental, universal and citizen property insurance. To cover your business, we can tailor custom commercial property insurance.