GeoVera offers earthquake, homeowners, wind, flood, residential landlord and vacant home insurance.

GeoVera earthquake insurance

Earthquake insurance covers earthquake damage to your house and personal property. Standard homeowners policies don’t cover earthquakes. However, indirect damage from an earthquake—such as a fire triggered an earthquake—is generally covered by homeowners insurance.

Your home, belongings and outside structures (such as fences) may have their own earthquake deductibles if you make an insurance claim. At GeoVera, deductibles depend on the type of earthquake coverage and where your home is.

Earthquake insurance is offered by GeoVera to homeowners in:

GeoVera’s earthquake deductibles for California homeowners range from 2.5% to 25%. For California homeowners, GeoVera’s minimum coverage limit for earthquakes is $100,000, and the maximum is $5 million.

In Oregon, meanwhile, GeoVera’s earthquake coverage limits range from $100,000 to $1.5 million.

Here is an overview of the features offered in GeoVera earthquake protection plans: Flex Limits, Single Limit and Split Limit.

Types of GeoVera earthquake policies

Related: Guide To Earthquake Insurance

GeoVera homeowners insurance

GeoVera provides homeowners insurance in five states:

Here are the standard kinds of homeowners coverage for GeoVera policyholders:

• Dwelling coverage: Your dwelling coverage pays for damage to the structure of your house and attached features.
• Other structures coverage: This pays for damage to structures that are not attached to your home, such as a fence or detached garage, if harmed from an incident listed in your policy.
• Personal property coverage: Pays to repair or replace personal belongings inside your home if stolen or damaged by a problem listed in the policy.
• Liability insurance: Personal liability home insurance pays if you or a household member are held legally responsible for injury or property damage to someone else. It also covers your lawyer fees if you’re sued.
• Additional living expenses coverage: Also called loss of use insurance, this pays for your extra costs, such as hotel bills, you incur when you’re unable to live at home while damage is being repaired.

GeoVera flood insurance

Standard homeowners insurance policies don’t cover flood damage.

GeoVera flood insurance, provided by Hiscox FloodPlus through GeoVera Advantage Insurance Services Inc., is available for homeowners in:

• Alabama
• Florida
• Louisiana
• South Carolina
• Texas

GeoVera’s flood insurance coverage applies to your house, attached structures and personal belongings. In addition, it covers additional living expenses, such as hotel bills, that you pay while your home’s flood damage is being fixed.

Here are other key features of GeoVera’s flood insurance:

• You can have a policy in place after a seven-day waiting period, compared to other companies that require a 30-day wait.
• Coverage is available for secondary, vacant and tenant-occupied homes.
• Has higher coverage limits than some other flood insurance policies.

Related: Guide To Flood Insurance

GeoVera wind insurance

GeoVera wind insurance is offered in:

• Alabama
• Florida
• Louisiana
• South Carolina
• Texas

It covers damage caused by wind and hail to your home’s structure and attached features, as well as standalone structures, personal belongings and additional living expenses (such as hotel bills racked up during home repairs).

Homeowner insurance policies generally cover wind damage, but in some hurricane-prone regions, such as certain coastal areas of Texas, homeowners may have to buy separate windstorm insurance.

Related: Hurricane Deductibles In Homeowners Insurance

GeoVera special coverage

GeoVera also provides residential landlord insurance in:

• Alabama
• Florida
• Louisiana
• South Carolina
• Texas

Vacant home insurance is offered in Florida and Louisiana.

GeoVera’s residential landlord insurance covers losses incurred by owners of rental property. This coverage includes the dwelling and attached features, personal belongings, loss of rental income during covered repairs, and liability stemming from injuries and property damage that you accidentally cause that affects visitors.

Vacant home insurance coverage can be coupled with GeoVera’s homeowners or wind insurance. This coverage, designed for temporarily vacant rental homes, applies to the dwelling and attached features, unattached structures and personal belongings.