California has a 99% probability of experiencing a 6.7 magnitude or greater earthquake in the next 30 years according to the U.S. Geological Survey. Yet, less than 12% of homeowners carry Earthquake insurance.
Prepare now.
Unlike other types of catastrophes, earthquakes can occur at any time. Purchasing Earthquake insurance is the best way to make sure your home and property are protected.
Many factors affect the cost of Earthquake insurance:
- The age and location of your home
- Construction style
- Proximity to a fault
- Deductibles
- Coverage amounts
Universal North America offers both Comprehensive and Limited Earthquake insurance options to meet the needs of your budget.
- Our Limited policy includes basic coverage to protect your home
- A Comprehensive policy includes coverage for your home, other structures such as patios and pools, personal property and additional living expenses should you have to vacate your home after an earthquake
Universal North America Insurance Company is rated A- (Excellent) by A.M. Best, an independent financial rating company.
By purchasing Earthquake insurance from Universal North America, you'll have peace of mind knowing that your most valuable asset is protected by a company with the financial security to keep its promises to you.
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Secure appliances. Make sure heavy appliances, such as water heaters, stoves, washers and dryers, are secured to studs in your walls. This prevents them from falling or bouncing and breaking electrical or gas connections.
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Latch cupboards. Put latches on cupboard doors so they don't swing open and increase dishware breakage. Place heavy items on lower shelves so they don't fly out onto your head.
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Affix hanging items on walls and ceilings. Light fixtures, paintings, mirrors and clocks can fall during an earthquake unless they are bolted down.
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Utility shut-off. Know where your electricity and gas shut-off valves are and how to turn them off if needed.
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Know safe areas. Discuss with your family where to go during an earthquake. If you can stay on your feet, an inner hallway is generally the safest place in a home. Kitchens and garages are the least safe.
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Have options. If you can't get to a hallway, get under a strong table or desk for some protection.
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Identify exits. Make sure your family knows how to get out of the house if doors are blocked.
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Set a meeting place. Establish a place to meet if an earthquake occurs when family members are at work or school.
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Food and water. Always keep a supply of non-perishable foods (canned foods and milk, plus packaged snacks) for your family and pets. Plan on one gallon of water per person in your family per day for seven days.
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Medical and other supplies. Make sure you have extra prescription drugs available. Also have on hand a portable radio, extra batteries, flashlights, fire extinguishers and a first aid kit.
For more information regarding earthquake coverage, please contact your agent.
This brochure is not an insurance policy; it provides a general description of Universal's earthquake protection insurance coverage. Actual coverage will be determined by the terms and conditions of the policy.
Insurance products are issued and underwritten by one of Universal's insurance companies: Universal North America Insurance Company, Universal Insurance Company of North America, Universal Insurance Company of Texas. Issuance of coverage is subject to underwriting review and approval. Products may not be available in all states.
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