Will Landlord Insurance Cover Earthquakes In California?

earthquakes in california

California experiences thousands of earthquakes every year. A majority of them are so small that you don’t feel them but a few times a year there are earthquakes that can cause minimal to significant damage to properties and structures. 

As a resident of California, you are most likely aware of the risks posed by earthquakes and are prepared if a situation arises. 

However, as a landlord in California and owner of properties or apartment complexes, are you covered in case of an earthquake? If you’re wondering, “Does landlord insurance cover earthquakes in California?” Keep reading to find out!

Importance Of Landlord Insurance

Even though you aren’t required to hold landlord insurance in California, protecting your property should be at the forefront of your mind. 

Things happen that you may not be able to control and if you don’t have the proper coverage, you could be paying out of pocket for expenses and repairs. 

When you own a property like a house or building that you intend to rent to others, you are basically running a small business. You provide a service (allowing a person to live on your property) and you receive payment (rent from the tenant). 

This means you should be looking at this as a business transaction and ensure that you are able to make maximum profit and minimize the chances of losing money in the process. 

This is why landlord insurance is important. Your homeowners’ policy will not cover any property that isn’t lived in full time by the policyholder. 

To learn more about landlord insurance read our latest article: What Is Landlord Insurance In California? 

earthquakes in california

Coverage And Protection

When you have California landlord insurance, you are protecting your property and assets. Yes, you can require tenants to hold renters insurance, but that primarily covers THEIR personal property. 

Landlord insurance covers a multitude of things including:

  • Tenant damage
  • Natural disasters
  • Fire
  • Flooding/water damage
  • Liability/medical coverage – If an accident happens on your property that you are at fault for. 
  • Lost income – To reimburse you for lost wages when you have to make repairs and are not able to have tenants

As you can see there are things out of your control that can happen that could cost you a lot of money down the line in repairs and expenses to get your property ready to rent again. 

In the case of earthquakes if you’re asking yourself “Will landlord insurance cover earthquakes in California?” The answer is yes because it is a natural disaster or “act of God” that is not controlled or caused by anything but nature. 

However it is crucial to work with an experienced insurance team (like us at Insurance By Castle) to make sure you have the proper coverage needed for your property. 

Can My Landlord Insurance Cover Earthquakes In California And More? Work With Insurance By Castle Today!

Don’t pay out of pocket for expenses to property damage and asset loss that is out of your control. Partner with the dedicated and experienced insurance professionals here at Insurance By Castle. 

We offer standard Landlord Insurance which covers damage done by earthquakes and other incidents beyond your control. 

We can also create specialized insurance policies to ensure you are protected to the fullest extent in terms of your property/building. 

Don’t wait until it’s too late to realize you need landlord insurance. Contact us today to get a quote!

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