Earthquake and flood
Earthquake and flood are not part of a typical California home policy. Each one is its own policy.
What it can cover
- Earthquake damage to the dwelling, subject to the deductible on that policy
- Flood damage from outside water, through a separate flood policy
Who asks about it
- Homeowners who want coverage a standard home policy excludes
Questions
Is one policy enough for both?
No. Earthquake and flood are written as separate policies.