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Earthquake Insurance

Protecting Homeowners

Earthquakes are not uncommon in California and they’re only becoming more common. These earthquakes come with a lot of risks, including structure damage, asset loss, personal injury, and massive leaks. These and other risks can translate into significant costs, and for this reason it’s important that people have protection. Insurance provides necessary protection and at Riskguard Insurance Solutions, Inc. we have a comprehensive earthquake insurance program. Through this program we write solutions that are tailored to individual clients, and we’ll write a solution that’s tailored to you.

Earthquake Insurance Coverage Details

Recent fault-line discoveries have made Californians aware that earthquakes will become more frequent in the near future. These earthquakes will also become stronger, and this increases the likelihood that damages will be sustained. This is one reason why Californians need earthquake insurance. This type of insurance protects structures and belongings and it protects against injuries.  It’s sometimes purchased in a standalone policy and it's sometimes purchased as part of a homeowners insurance and earthquake insurance combination.

Earthquake insurance rates depend on a number of factors, including the level of earthquake risk one faces in the area in which he or she lives. To find out what level of earthquake risk you face, use the California Earthquake Authority’s quakes and faults tool.

Your deductible for earthquake insurance may be high, but this is beneficial in that if you suffer a total-home loss, you will be covered and your home will be replaced or reconstructed without large financial losses coming to you.

What you can expect

If an earthquake occurs you’ll need coverage that keeps you from suffering unnecessary financial losses and you'll need an agent who supports you throughout the process of contending with the earthquake. At Riskguard Insurance we work closely with you to create the best possible solution and once this solution is in place we monitor it regularly. We keep you informed and we actively manage risk.  Risk management helps you avoid suffering losses and it helps you avoid having to use your insurance.

We’re reachable at almost any time, so if you need to get a hold of us, you can.

Please contact us or give us a call to learn more.  If you're ready to get started, you can request a quoteAdditional Earthquake Insurance Information:

Riskguard Insurance Solutions is proud to provide earthquake insurance in San Francisco, Los Angeles, San Jose, Sacramento, San Diego, and Stockton, CA.  We also serve other areas in the state and we serve Oregon, Nevada, Arizona, and Texas.

Our Location

Riskguard Insurance Solutions

422 Presidio Ave.
San Francisco, CA 94115
Main office: 415-202-6869
Fax: 415-447-4181

Our Providers


Thank you to Christine who went above & beyond to lend a helping hand by providing us with quotes for our food truck business (which is a fairly new category to cover in the insurance world, I'm told). She was super patient with all of our questions, was prompt in communication, and is an all-around wonderful gal! Aside from our small business, I trust her to take care of my personal assets too

Sophie F.
I've used the Irene Herman Insurance for a few of my insurance needs! They helped me find health insurance when I was down and out and had pre-existing conditions (before Obamacare came along), and we worked long and hard to find a policy that would work for me. Also, they helped me find a better deal for my home insurance, and they're there when I need help to look for better car insurance rates. They're constantly on the look out for me and let me know if I can ever find better rates with another company, so I know they're on my side. It's a small family business, and they're good, kind people. I'm happy to work with cool people like this.

Katie H.
For the past year, Irene Herman Insurance Services has helped me and my business with a variety of insurance needs. They have consistently provided excellent and prompt service. I discovered Irene Herman Insurance via a website (don't remember which one) to request quotes for w/c, general and professional liability insurance for my business. I was contacted right away by Geoff Herman. Geoff was a huge help in helping us obtain the insurance we needed for a contract with the City of LA at a reasonable price. This was no small feat - we knew of a similar business that was having a hard time getting the E & O insurance. (We recommended them to Geoff and he helped them out, too.) Geoff also helped us with changing our medical and dental insurance for our business. For our personal insurance needs, Geoff helped us obtain life insurance and Iris Htwe assisted us with renters insurance. They are always available to answer questions and they respond very quickly to my emails. We've relied on Irene Herman Insurance Services for a number of different insurance needs over the past year and it has put my mind at ease to have them on my team.

Linda R.
I am not the type to write reviews but Geoff's service has been so amazing during a recent emergency situation that I decided to take a minute and offer my praise. Geoff's service has been excellent from the beginning. Promptly returns phone calls, excellent pricing, excellent knowledge of the industry, calm during a crisis, and a nice guy as well. And when the crap hit the fan recently, he went the extra mile repeatedly

David A.