Earthquake Insurance in Glendale, Los Angeles & Across California

Standard homeowners, condo and renters policies do not cover earthquake damage. Earthquake insurance can help you repair your home, replace your belongings and pay for a place to stay after a major quake. As a local Farmers agent in Glendale, we help families throughout Los Angeles County and California add earthquake coverage through the California Earthquake Authority (CEA).

What Earthquake Insurance Can Cover

  • Dwelling: your home and attached structures, such as an attached garage

  • Personal property: furniture, appliances, clothing and other belongings

  • Loss of use: additional living expenses if your home is unsafe to live in, with no deductible

  • Emergency repairs to prevent further damage, such as boarding up windows (with no deductible on the first $1,500)

  • Building code upgrades: $10,000 included, with higher limits available

How It Works

Farmers is a participating insurer with the CEA, a not-for-profit, publicly managed provider of residential earthquake insurance. If your homeowners, condo, mobilehome or renters insurance is with Farmers, we can add a CEA earthquake policy, and you can add it at any time, not just at renewal.

Earthquake policies use a percentage deductible on the dwelling: 5%, 10%, 15%, 20% or 25% of your dwelling coverage limit. Some homes, such as those insured for more than $1 million or older raised-foundation homes without a verified retrofit, are limited to the 15%, 20% or 25% options. We will help you compare deductibles and coverage limits to fit your budget.

Ways to Lower Your Earthquake Premium

  • Retrofit discount: qualifying wood-frame homes built before 1980 on raised or other non-slab foundations can earn up to 25% off CEA premiums after a verified seismic retrofit

  • Earthquake Brace + Bolt: eligible homeowners may receive up to $3,000 toward a seismic retrofit

  • Deductible and coverage choices: a higher deductible or adjusted limits can lower your premium

Who Should Consider Earthquake Insurance?

  • Homeowners with significant equity in their home

  • Owners of older homes, especially raised-foundation homes built before 1980

  • Condo owners, who may face special assessments after a quake

  • Renters who want their belongings and temporary housing protected

  • Anyone who could not afford to repair, rebuild or relocate out of pocket

Good to know: earthquake insurance does not cover flood, so ask us about flood insurance too.

Get an Earthquake Insurance Quote

Call (818) 459-3400, email agasparyan@farmersagent.com, or visit our office at 372 Arden Ave #103, Glendale, CA 91203.

This page is for general information only and is not a guarantee of coverage. Whether a loss is covered is determined by the insurer under the terms, conditions, deductibles and exclusions of your policy at the time of the claim. Earthquake insurance is subject to California Earthquake Authority policy terms, eligibility and availability, and discounts and grant programs are subject to qualification and may change. CA License #6014107.