GeoVera Earthquake Insurance Review

#9 in Earthquake Insurance

GeoVera is one of the leading earthquake insurance company in California. The company offers earthquake insurance for residents in California, Oregon and Washington. GeoVera offers property and liability insurance for homeowners in times of catastrophes.  

 

Company Profile 

BBB Ratings 

 A+

States Served 

 3

Age of Company 

 20

AM Best Ratings 

 A

States covered: California, Oregon, and Washington

Structures Covered

These buildings are enclosed on earthquake’s policy such as Apartment, Condominiums, Townhouses and single-family house. GeoVera Earthquake Insurance is only limited to residential homeowners only.  

Apartment

Yes

Condo

Yes

Townhouses

Yes

Single-Family Home

Yes

Offices

No

 

Plan Details

The company has annual insurance plan for earthquakes and comes with a minimum coverage of $100,000. GeoVera also has one of the highest maximum coverage for structure and content combined. However, this amount may differ on each policy holders declared items value and depreciation.

Minimum Coverage

$100,000

Maximum Coverage

$2,000,000

Annual Plan

Yes

Mobile Access

Yes

Sample Policy

None

Privacy Policy

Yes

 

Discounts

Multi-Policy Discount

None

Loyalty Discount

None

Claim-Free History

None

Other Discounts

None

 

Coverage and Protection

GeoVera provides protection for personal injuries and property damage that includes appliances, furniture, and other personal belongings. Services like debris removal broken glass clean up, electrical and plumbing systems are also included.

Personal Belongings

Yes

Appliances

Yes

Furniture

Yes

Personal Injury

Yes

Electrical and Plumbing System

Yes

Debris Removal

Yes

Broken Glass Clean-Up

Yes

Residential

Yes

Commercial

No

 

Help, Support and Usability

GeoVera makes it easy for clients to view their policy online and access information such as premiums, deductibles, and coverage with their online account management feature. Coverage calculators, telephone support, online claims, FAQs, 24-hour claims are also provided by the company on their website.

Online Account Management

Yes

Coverage Calculator

Yes

Live Chat

No

Telephone Support

Yes

24 Hour Telephone Claims

Yes

Online Claims

Yes

Online Quotations

Yes

E-mail

Yes

FAQs

Yes

 

Earthquake Insurance at GeoVera

GeoVera specializes in two types of insurance products which is residential earthquake and windstorm-hurricane insurance. This has made it easier for the company to focus on earthquake-specific coverage and provide better protection for its clients. The company also has the highest maximum coverage of $2,000,000 limit for residential properties and its content, combined. One major drawback however, is that its earthquake insurance offer is only limited to residents of California, Oregon and Washington.

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