Pacific Select Property Insurance Company

Our Products

Welcome to Pacific Select Property Insurance Company. At a time when most other insurance companies are offering very limited earthquake policies in California, Pacific Select Property Insurance Company offers a variety of products designed to fit within your budget and help you tailor your earthquake coverage to meet your family’s needs.

GET A FREE QUOTE!
1 (800) 774-1012 - Call us to locate a broker in your area who can provide a free quote for residential earthquake insurance.

View the Residential Earthquake Coverage Comparison Chart!

Pacific Select Property estimates the minimum amount of insurance that a California homeowner may need to rebuild their home after an earthquake. The estimate includes the increased building costs for labor and materials following a catastrophic event such as an earthquake.

California homeowners may be eligible for earthquake insurance through GeoVera Insurance Company, a subsidiary of GeoVera Holdings, Inc. Please contact our Customer Service Department at 1-800-324-6020 if you are interested in obtaining an alternative quote, or visit www.geovera.com.

PREMIER EQ PROTECTOR™

This is our most comprehensive product, designed for customers who are concerned about protecting their dwelling, appurtenant structures, personal property and loss of use. A lower deductible (10%) than most earthquake policies, along with building code upgrade coverage, makes the Premier EQ Protector™ an excellent choice for homeowners interested in broad coverage, and higher limits. Learn More...

SECURITY EQ PROTECTOR™

Our basic policy is for customers whose primary concern is protecting their dwelling. Limited coverage for personal property, loss of use, and building code upgrade along with a 15% deductible is included. Learn More...

CONDO EQ PROTECTOR™

This is our policy for condominium unit owners who are interested in choosing their contents coverage limit based on their needs. The policy has a low 10% deductible and includes coverage for property damage and loss assessment by the condo association after an earthquake. Learn More...

GET A FREE QUOTE!
1 (800) 774-1012
Call us to locate a broker in your area!

RESIDENTIAL EARTHQUAKE COVERAGE COMPARISON CHART

TYPE OF COVERAGE	PREMIER EQ PROTECTOR™	SECURITY EQ PROTECTOR™	CONDO EQ PROTECTOR™
Coverage A: Dwelling	Damage to the dwelling structure covered up to the Coverage A limit. Includes sublimits and exclusions for some types of property.	Damage to the dwelling structure covered up to the Coverage A limit. Includes sublimits for some types of property.	Damage to additions, alterations, appliances, fixtures, and improvements which are part of the building contained within the residence premises as well as real property used exclusively by you up to a limit of $25,000.
Coverage B: Appurtenant Structures	Up to 10% of the Coverage A limit. Includes sublimits and exclusions for some types of appurtenant structures.	Not covered	Not covered
Coverage C: Personal Property	Up to 50% of the Coverage A limit. Includes sublimits and exclusions for some types of personal property.	Up to a limit of $5,000. Includes sublimits and exclusions for some types of personal property.	Up to the Coverage C limit. Includes sublimits and exclusions for some types of personal property.
Coverage D: Loss of Use	Up to 20% of the Coverage A limit or $25,000, whichever is less.	Up to a limit of $1,500.	Up to a limit of $2,500.
Coverage E: Building Code Upgrade	Up to $10,000 if the dwelling meets the definition for earthquake hazard reduction.	Up to $10,000 if the dwelling meets the definition for earthquake hazard reduction.	Not covered
Coverage F: Loss Assessment	Up to $10,000 for loss assessment charged by an association of property owners.	Not covered	Up to $5,000 for loss assessment charged by a condominium association.
Other Coverages:	Demolition and debris removal and engineering costs. Includes sublimits and exclusions.	Debris removal and reasonable costs to prevent further damage. Includes sublimits and exclusions.	Debris removal and reasonable costs to prevent further damage. Includes sublimits and exclusions.
Deductible:	10% or 15% applies separately to Coverages A, B, C, D and E.	15% applies to the dwelling replacement value / Coverage A limit in the policy. Coverage does not apply until the amount of dwelling damage exceeds the deductible, except for loss of use. No deductible for Loss of Use coverage.	10% applies separately to Coverages A, C and F. No deductible for Loss of Use Coverage.
This is not an insurance policy. Actual coverage is governed by the language of the policy. Exclusions apply.

GET A FREE QUOTE!
1 (800) 774-1012
Call us to locate a broker in your area!