The Ins and Outs of Earthquake Insurance

Joe Polyak August 13, 2019

The Ins and Outs of Earthquake Insurance

Recently, I had the opportunity to speak with Roger Heighton of Farmers Insurance about an important (but not often discussed) type of coverage: earthquake insurance. 

Cited below for your convenience are timestamps that will direct you to various points in the interview. Feel free to watch the full message or use these timestamps to browse specific topics at your leisure: 

00:50 – An introduction to today’s topic

01:30 – Should you have earthquake insurance? Do regular policies include earthquake coverage?

02:09 – What happens if an earthquake isn’t the direct cause of damage?

03:40 – Why earthquake insurance is important 

04:17 – How to find more information on the California Earthquake Authority (CEA) website: https://www.earthquakeauthority.com/

05:03 – How does the deductible on a CEA policy work?

09:07 – Why it’s important not to rely solely on FEMA for disaster relief

10:03 – A few closing words

If you have any other questions or would like more information, feel free to give us a call or send us an email. We look forward to hearing from you soon.

Recent Blog Posts

Stay up to date on the latest real estate trends.

The New Fire Maps Changed Fire Hazard Zones Across the Bay Area

November 9, 2026

What California’s updated fire hazard maps mean for Bay Area homeowners, buyers, and sellers when it comes to disclosures, defensible space, building requirements, and… Read more

Stucco home with a double garage, tiled roof, and broad stone-paved driveway.
Why Property Taxes Can Be Higher on New Construction: Mello-Roos Explained

November 2, 2026

Why some California new-construction homes come with a higher annual tax bill, what a Mello-Roos district pays for, and what buyers should review before signing.

Aerial view of a suburban neighborhood beside dry rolling hills and a broad road.
Why Bay Area Homes Sell “Over Asking”

October 26, 2026

Why the list price is often a strategic starting point—and how buyer competition can determine the final sale price.

Covered backyard patio with a dining table, string lights, and sliding glass doors.
Inheriting a House in California? How Prop 19 Affects Property Taxes

October 19, 2026

What heirs, trustees, and families need to know about California’s Prop 19 rules before deciding whether to move into, rent, or sell an inherited home.

Green stucco home entrance with a large arch, dark double doors, and front shrubs.
Is Fall a Good Time to Buy or Sell a Home in the Bay Area? | Rise Homes

October 13, 2026

A Bay Area guide to fall real estate, including September inventory, motivated buyers, seasonal competition, pricing strategy, and year-end opportunities.

Aerial view of a home with a curved swimming pool, patio, and raised wooden deck beside mature trees.
Multiple Offers: How Do You Choose the Best One? l RISE Homes

September 24, 2026

Why the strongest offer isn’t always the highest—and how price, financing, contingencies, and certainty can determine which buyer is truly in the best position to clos… Read more

Aerial view of a gray home with a red front door, green lawn, and wooded hills.
What Happens During Escrow in a Bay Area Real Estate Transaction? l Rise Homes

September 17, 2026

A practical look at what happens after an offer is accepted, from financing and title work to signatures, funding, and the final transfer of ownership.

Home patio with outdoor dining set and arched upper window at sunset.
What Is a Real Estate Disclosure Package? Bay Area Buyer & Seller Guide | Rise Homes

September 11, 2026

What is a disclosure package in Bay Area real estate? Learn what home inspections, seller disclosures, HOA documents, and property reports buyers typically review befo… Read more

Bright living room with a white armchair beside a large grid-pane window overlooking a tree-lined street.
Should You Sell Your Home As-Is or Fix It Up First?

September 3, 2026

How strategic preparation can increase buyer appeal, create stronger competition, and help you get the best possible result when selling your home.

Let’s Talk

You’ve got questions and we can’t wait to answer them.