Most Californians believe they are covered for "The Big One." They aren't. Standard home insurance explicitly excludes earthquake movement. Let's fix your foundation before the ground moves.
Whether you own the land or just the sofa, the ground moves the same.
Covers your dwelling, extensions, personal property, and loss of use. Custom deductibles (5%-25%) allow you to balance premium vs. protection.
Critically important: Adds Loss Assessment coverage. If your HOA assesses you for repairs to the main building, this pays your share.
Your landlord's policy won't replace your TV or pay for your hotel. This affordable policy covers your personal property and temporary housing.
Sierra Mountain Insurance is a participating provider with the California Earthquake Authority (CEA). This is a publicly managed, privately funded organization that provides catastrophic residential earthquake insurance.
You don't buy a separate policy from a stranger. We add a separate CEA policy alongside your existing Homeowners coverage, creating a seamless shield for your property.
Many homeowners assume the government acts as a free insurance policy after a disaster.
FEMA grants are designed for safety, not rebuilding. The average payout is often under $10,000. To rebuild, you would likely need to take on a massive new debt.
This was true 20 years ago, leading many to drop coverage permanently.
With the introduction of high-deductible options (up to 25%), you can insure against a total loss for a fraction of the cost of older policies.
This is the core protection. It covers the repair or replacement of your home's frame, foundation, and roof if they are damaged to the point of being uninhabitable.
In many quakes, the house stands, but the contents are destroyed. This covers furniture, electronics, and valuables that shatter.
If your home is red-tagged, where do you sleep? This pays for hotels and apartments while your home is being repaired.
We know California geology and zoning. We help you understand exactly what seismic zone your home sits in.
We don't just sell a product. We review your underlying Homeowners policy to ensure there are no gaps between policies.
We actively check if your home qualifies for retrofit discounts or if your community is part of a special hazard reduction program.
Older homes often slide off their foundations during a quake because they aren't physically attached. This is the #1 cause of preventable earthquake damage.
The "Brace + Bolt" program helps pay for these retrofits. Not only does this secure your home, but the CEA also offers a massive discount on your premium once completed.
Check Retrofit EligibilityProtect your largest investment today. Adding Earthquake coverage is easier than you think.
