NW Insurance & Financial
811 Pacific Ave S, Long Beach, WA 98631
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811 Pacific Ave S, Long Beach, WA 98631
View this agency's profile to learn more about their services.
Learn about insurance coverage options specific to Long Beach residents.
Long Beach homes face earthquake, liquefaction, and tsunami risks. Learn why standard insurance isn't enough and how to protect your home completely.
No, standard homeowners insurance policies in California do not cover earthquake damage. They will cover fires caused by earthquakes, but structural damage from the shaking itself requires a separate earthquake insurance policy. California law requires your homeowners insurer to offer you earthquake coverage, but it's never included automatically.
Earthquake insurance premiums in Long Beach typically range from $800 to $5,000 or more annually, depending on your home's location, age, construction type, and the coverage limits and deductible you choose. Homes closer to the Newport-Inglewood fault or built before modern seismic codes generally cost more to insure. Retrofitting your home with seismic upgrades can help lower your premium.
Earthquake insurance deductibles in California are significantly higher than standard homeowners insurance deductibles, typically ranging from 10% to 25% of your dwelling coverage amount. For example, if your home is insured for $600,000 with a 15% deductible, you would pay the first $90,000 in damage before your insurance coverage kicks in. Higher deductibles result in lower annual premiums.
CEA policies cover damage to your home's structure, personal belongings (typically up to $5,000), and additional living expenses if your home becomes uninhabitable after an earthquake. Some policies also include building code upgrade coverage, which pays to bring your home up to current building standards during repairs—particularly valuable for older Long Beach homes built before modern earthquake safety codes.
Long Beach sits directly on the Newport-Inglewood fault, which seismologists predict could produce a magnitude 7.3 to 7.4 earthquake—significantly larger than the magnitude 6.4 earthquake that killed 120 people in 1933. The fault has a slip rate of approximately 0.6 mm per year and is considered one of the greatest seismic hazards in the United States due to its location under densely populated areas.
Insurance companies typically restrict or suspend the sale of new earthquake policies immediately after earthquakes or during periods of increased seismic activity in an area. You cannot buy coverage after damage has already occurred. The best time to purchase earthquake insurance is during quiet periods, well before any seismic events, to ensure you're protected when the next earthquake strikes.
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