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Earthquake Insurance in Rancho Mirage, Cathedral City, and Palm Desert, CA

Protecting Homeowners and Businesses

Earthquakes are a standard occurrence in California and come with a lot of risks, including structure damage, asset loss, personal injury, and more. These and other risks can translate into significant costs, and for this reason it’s important that people have protection. Earthquake Insurance provides necessary protection and can be offered as an endorsement onto an existing homeowner’s or property policy or as a stand-alone policy. Stand-alone policies can offer more comprehensive coverages, such as extended loss of use and more extensive personal property/content coverage

Earthquake Insurance Coverage Details

Due to the frequency of earthquakes in California, earthquake insurance is always offered with the various insurance carriers who are admitted in California to write homeowners insurance.

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 can vary from 5% - 25%, 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 to 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 claims process. At American Financial Insurance Services we work closely with you to create the best possible solution.

Contact us or give us a call at (760) 568-9090 to learn more.  If you're ready to get started, you can request a quote

Additional Earthquake Insurance Information:

Our Location

American Financial Insurance Services

71650 Sahara Road, Ste 3
Rancho Mirage, CA 92270
Main office: 760-568-9090

Our Providers


Accommodating, professional, helpful, and quick. Very comfortable experience and I was impressed by their capabilities. Highly recommended.
Brad M.
I feel lucky to have found an agent willing to provide this level of service. No need to look anywhere else!
Michelle D.
Over the years we’ve never once had to worry about our coverage. My husband and I are long-time customers and proud to be.
Carol S.
Surprisingly flexible and in-touch with my needs as a small business owner. Can’t ask for more.
Spencer F.
They have strong ties with the community, and it shows. It’s nice to do business with people that really show they care about you and your family.
Susan T.