Residential Earthquake Insurance

Earthquakes can happen anywhere at anytime, but a typical homeowners policy does not cover this potentially devastating peril. American Modern offers the choice of a package policy or byline coverage for earthquake only – not fire, flood, or other ensuing losses.

Protection Earthquake insurance is a good idea for your customers and we can provide a package or byline coverage to meet individual needs.
Settlement We settle all claims on a replacement cost basis.
Deductible Deductible is based on the highest individual Coverage limit. Compared to deductibles based on an aggregate of Coverages A, B, and C, this is more advantageous for the customer.
Eligibility
  • Owner-occupied, rental, seasonal, or vacant
  • No age limit on building
  • Up to 4 family and 2.5 stories
Construction type
  • Frame, masonry or masonry veneer
  • No mobile homes or log homes
Location We provide coverage in all zip codes of authorized states.
Personal property 25% Coverage A is included in the package policy with an option to increase – optional for the byline policy.
Loss of use/rent 10% Coverage A is included in the package policy – $1,500 included in the byline policy. And your customer has the option to increase.
Other Structures 10% Coverage A is included in the package policy with an option to increase – optional for the byline policy.
Debris removal 5% of the single limit of liability is included.
Engineering and demolition costs 5% of the single limit of liability is included.
Reconstruction and local building code standards Limited to $10,000
Loss assessment 5% of the single limit of liability is included.
Glass or safety glazing material Included.
Landlord’s furnishing (rental only) $2,500 for personal property is included