Earthquake Insurance Services Serving the Bay Area

Call 415-242-8777 Monday – Friday: 8 AM – 5:30 PM PST


Thanks O’Kane & Tegay! I’ve been a happy customer for a few years and have always appreciated the good rates. I’m also very impressed with their friendly, quick and efficient customer service. I highly recommend you call or visit these guys if you need a new insurance policy or want a better rate and/or better service. —Brian B.
A friend of mine refered me to these guys for an event I was planning here in San Diego. Yes they are in San Francisco and I am in San Diego. I can not begin to tell you how easy this was. I dont understand insurance and I dont want to understand insurance. They helped me feel at ease from start to finish. Fast easy affordable. I never thought that existed when dealing with insurance before now. Great job and thanks for the help! —Doof R.

What is Earthquake Insurance?

Earthquake insurance pays for covered losses to your property caused by an earthquake or volcanic eruption, up to the limits you select. If you have aa mortgage, you must have homeowners insurance, however, homeowners insurance does not cover earthquake damages.

Although the California Earthquake Authority offers earthquake insurance for individually owned residences, our representatives are able to find most home owners better priced, more comprehensive coverage.

Who Needs Earthquake Insurance?

Earthquakes are a natural disaster that is not usually covered by conventional homeowner insurance policies. Because homeowners insurance policies do not cover earthquake damages, nearly every homeowner in California should highly consider having an earthquake insurance policy.

Earthquake Insurance

What does an Earthquake Policy Typically Cover?

In general, earthquake insurance pays for damages to a home or other personal belongings that result from an earthquake. This could include destroyed valuables or collapsed walls inside the residence.

Be mindful that some types of earthquake-related damage might not be covered by the policy. For instance, a flood that an earthquake causes may not be covered by an earthquake insurance policy.

Each policy may provide coverage for some damages, but not others. Therefore, it’s crucial that you read your earthquake insurance policy thoroughly.

Earthquake insurance coverages have limits. The purpose of this type of insurance to make sure you have a roof over your head. Unfortunately, it does not replace everything you lose.



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Get Quotes from the Country’s Top-Rated Insurance Companies


Select Your Quote

Work with an Expert Who Knows Your Industry

O’Kane & Tegay Insurance Brokers takes the guesswork out of choosing the right Earthquake Insurance Policy for your lifestyle. Our team stays up to date on the latest insurance laws and coverage changes, so you can rest easy knowing you’ll get the right coverage.

Need to update your policy? No problem. Reach out to your agent at any time and enjoy the quick response you need, paired with service so friendly and helpful it feels like a throwback.

Get Quotes from the Country’s Top-Rated Insurance Companies

As an insurance broker, O’Kane & Tegay’s role is to give you access to policies from the best insurance companies in the country. Whether you need earthquake insurance, personal liability insurance, homeowner’s insurance, auto insurance, or collections and other valuables insurance, you can find it here.

Select Your Quote

Have questions about the pros and cons of your quotes, our experts are here through every step of the process. Making sure you get the right coverage for the best price. We help keep your valuables safe.


Personal Liability Insurance

Personal liability insurance is an umbrella insurance that offers additional protections above your current auto and homeowner policies. When that policy’s limits re reached, your assets could be at risk. That’s where personal liability insurance steps in.

Homeowner’s Insurance

In the event of a disaster, typical policies cover the structure of your home, personal possessions, replacement costs, living expenses, and homeowner’s liability. We’ll locate the best coverage to safeguard your home, belongings, and valuables in the event of theft, a disaster, or an accident.

Car Insurance

We’ll find you the right California car insurance plan that suits you and your family. You’ll have 24/7 access to your California car insurance policy. We find you the best coverage for your high value or standard vehicle, recreational vehicles, and motorcycles.

Collections and Other Valuables Insurance

This insurance plan provides additional coverage to your basic home coverage. Insurable products include wine, furs, silver, fine art, antiques, and other valuable items.


Top 5 Factors That Contribute to Risk of Earthquake Damages

  • The ground beneath your home
  • Wood-framed homes are more flexible than masonry.
  • Multiple story homes are more vulnerable.
  • Homes on raised foundations are more vulnerable than homes built at grade.
  • Age of your home: Does it meet seismic standards?

Real Talk About Earthquake Insurance

Check out our blog for the latest news about managing risk for individuals.

Sample Certificate

A sample Certificate of Insurance is available upon request.


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Contact Us. Call 415-242-8777 Monday – Friday: 8 AM – 5:30 PM PST