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Earthquake damage typically isn’t covered under a California homeowner’s policy. To protect your home and belongings in the event of an earthquake, you will need separate coverage3 for costs associated with:
1Auto Club County Mutual Insurance Company (auto) and Auto Club Indemnity Company (home) provide AAA insurance coverage for Texas residents. Each listed insurer has sole financial responsibility for its own products.
Separate purchase of AAA membership is generally required to obtain and renew AAA insurance.
AAA insurance is a collection of AAA branded products, services and programs available (where authorized) to qualified AAA members. AAA personal lines insurance is provided by Interinsurance Exchange of the Automobile Club in CA, HI, NM, ME, NH, PA, VA and VT; by Automobile Club Inter-Insurance Exchange (ACIIE) and Auto Club Family Insurance Company in AL, AR, IL, IN, KS, LA MS and MO; by Auto Club Indemnity Company in OH, KY (4Q ’20) and WV ; by Auto Club Property Casualty Insurance Company in KY. Insurance may also be provided by independent carriers. Life insurance is underwritten by AAA Life Insurance Company, Livonia, MI. AAA Life is licensed in all states, except NY. The Motor Club or its affiliates act as an authorized agent for insurers they sell insurance on behalf of, including AAA Life and AAA affiliate insurers. Personal lines insurance may not be available in every state or throughout a state. Please consult your local AAA agent.
HOME AND RENTERS COVERAGE IS NOT AVAILABLE IN LOUISIANA (LA). Auto insurance in LA is offered by ACIIE. Insurance coverage is not available in NY.
2A.M. Best ratings apply to the following Auto Club Enterprises Insurance Group (AMB# 018515) insurers: A+ (Superior) for Auto Club Casualty Company, Auto Club County Mutual Insurance Company, Auto Club Family Insurance Company, Auto Club Indemnity Company, Automobile Club Inter-Insurance Exchange, and Interinsurance Exchange of the Automobile Club; A- (Excellent) for Auto Club Property-Casualty Insurance Company. Ratings effective February 2020.
3The California Earthquake Authority (CEA) is a not-for-profit, publicly managed, privately funded entity. We contract with the CEA so that they can provide earthquake insurance to our insureds. The CEA provides two-thirds of the residential earthquake insurance policies sold in California and has become one of the largest providers of residential earthquake insurance in the world. Available for Homeowners (HO3) and Condominium Owners (HO6) policies in California only.