Earthquake coverage for single family homes and dwelling fire risks, with deductibles as low as 5% available.

Earthquake Insurance Highlights

  • Deductibles from 5% to 25% offered
  • Basic and Comprehensive policies available with dwelling values up to $800,000
  • Policies can be written with Aegis HO3, DP3 or DP1 policies, or on a stand-alone, unsupported basis
  • Dwellings with 1 to 4 family units, titled in the name of insured or family trust accepted
  • Dwelling built in 1900 or newer as long as retrofitting requirements met, building bolted to foundation, cripple walls braced and water heaters strapped
  • Comprehensive policy provides up to $100,000 Loss of Use and up to $25,000 for swimming pools
  • Personal Property and Loss of Use coverage limits can be adjusted

Individual product coverage, limitations and exclusions may vary by state.  Not all products available in all states.

Product Innovation

  • Real-time data integration throughout the quote process provides accurate fault proximity, soil and liquefaction data to produce accurate quotes before binding.
  • Point-of-sale underwriting alerts advise of additional items that may be needed at the time of policy issuance, reducing stress and eliminating post-bind underwriting surprises.

One of the few carriers to offer a stand-alone earthquake policy, the Aegis program is highly competitive with deductible options as low as 5%. The earthquake policy can be combined with an Aegis homeowners or dwelling fire policy to achieve a higher multi-policy discount or it can be sold on a stand-alone basis to support home policies placed with other carriers (though we can’t imagine why you would want to do that).

But more than that, at Aegis we integrate cutting-edge tools and technology to make the quote and bind process as easy as possible, with real-time data integrations for fault proximity and soil type at the point-of-sale to ensure the most accurate quote every time. It’s a heavy investment, but one we feel is worth your time and confidence by providing the best information available at your fingertips and significantly reducing post-bind underwriting surprises.

Give your clients peace of mind with coverage from a carrier that truly specializes in residential property insurance.

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