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We chose Allstate as the best provider overall due to its long history of offering insurance in all 50 states.

We selected Allstate as the best option for earthquake insurance due to the provider’s strong financials and reputation, including their A+ rating for financial strength from AM Best.2 Allstate also scores about average in J.D. Power’s 2021 U.S. Home Insurance Study.3 Since 1931, Allstate has grown to become one of the top providers of homeowners insurance, auto insurance, life insurance, and other insurance products nationwide.

Allstate offers earthquake insurance in select regions nationwide, including in California. While the specifics of coverage can vary, Allstate earthquake protection can be purchased to protect against damage to your home, other structures on your property, your personal belongings, and coverage for loss of use. Loss of use coverage can be especially important for consumers since this coverage kicks in to pay for a place to stay and additional living expenses while a property is being repaired after damage occurs.

Allstate also offers a popular mobile app and online account management page, which make it easy to manage your payments and claims without having to call customer service. And since Allstate also offers homeowners insurance, you can speedily add earthquake coverage to your existing policy if you’re eligible. 

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Amica stands out as the best option for California residents due to its collaboration with the California Earthquake Authority (CEA), which is a publicly managed, not-for-profit organization meant to encourage homeowners in the state to protect their properties from earthquake damage.4

Amica is our top pick for earthquake coverage in California due to its direct collaboration with the CEA. To be clear, the CEA offers earthquake insurance protection that provides coverage for your dwelling, your personal belongings, building code upgrades, emergency repairs, and even loss of use.5 

Amica offers earthquake protection as an add-on for traditional homeowners insurance policies, but you can also use them to purchase other types of insurance you need, such as auto insurance or umbrella insurance coverage.

Amica was originally founded in 1907, so this provider has a long history of providing quality insurance products to its customers. They also boast an A+ rating from AM Best for their financial strength, and they scored the highest in J.D. Power’s 2021 U.S. Home Insurance Study.3

If you want to add earthquake insurance to your existing homeowners insurance policy with Amica, you will need to speak with an agent. You should also note that Amica offers quite a few add-ons you can purchase with their homeowners insurance policies, including flood insurance coverage, personal property replacement coverage, valuable items coverage, and more. 

Also keep in mind that, although this coverage is offered in partnership with the CEA, you will still file a claim with Amica if you need to use your insurance. This means you get access to the excellent customer service Amica is known for as well as their online claims center.

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ICW Group scored a spot in our ranking as best commercial coverage because their commercial earthquake policies include protection for buildings, business personal property, loss of income, earthquake sprinkler leakage, and more.

We chose ICW Group for our ranking due to the comprehensive earthquake insurance protection they offer in the commercial space, which is available in all 50 states. Organizations can look to ICW Group for earthquake coverage to protect buildings and business personal property, and they can even buy coverage for losses in income due to earthquake damage. Coverage for earthquake sprinkler damage is also available, and you may also be able to purchase coverage for additional perils.

ICW Group was founded in 1972 and is the largest group of privately held insurance companies in the state of California. The company offers insurance policies in 50 states and Washington, D.C.

The biggest downside of working with ICW Group is the fact that you have to contact them in order to be put in touch with a local agent before you can get a quote. Since you buy this coverage from a local agent, factors like the quality of customer service and claims process can vary.

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We chose American Family Insurance as best for bundling policies due to the broad selection of coverages they offer and the discounts they advertise. For example, you can save money by bundling homeowners insurance coverage with auto insurance. Other discounts are available based on the age of your home, generational policies, and more.

American Family Insurance made our ranking as the best insurer for bundling based on the fact that this provider advertises discounts for customers who use them for multiple insurance products, including auto insurance. Also available are discounts based on the age of your home, safety feature discounts, loyalty discounts, and even price cuts when other family members have insurance with American Family. According to the company, you can buy this coverage in 11 states including Arizona, Colorado, Idaho, Illinois, Indiana, Iowa, Missouri, Nevada, Oregon, Utah, and Washington. 

Originally founded in 1927 as Farmers Mutual Automobile Insurance Company, American Family has grown to become one of the most prominent and popular insurers in the United States. American Family also boasts a strong A rating for financial strength from AM Best.6

When it comes to their earthquake coverage, you can buy insurance to protect your home as well as your garage and other structures on your property. American Family earthquake insurance also provides coverage for your fences, driveway, sidewalk, and personal property. You can also utilize this provider to buy earthquake insurance for a condominium you own or even a property you rent.

One downside of American Family Insurance is that, like others that made our ranking, you do need to speak with an agent and provide considerable details in order to get a quote for earthquake coverage.