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Does Progressive renters insurance cover earthquakes?
My wife and I are moving to San Francisco and have been having a debate about earthquake insurance. Will our Prorgressive renters insurance cover damage done by an earthquake? Or do we need to buy an additional earthquake policy? (I have $5 riding on the answer!)
Rachel Rigolino · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
I don’t know where you put your money, but the answer is this: a standard
renters insurance
policy from Progressive—or any other company—does not cover earthquake damage. If you’re moving to an earthquake prone area, consider adding an earthquake rider to your Progressive
policy. What does earthquake insurance cover, exactly? Here’s a quick run down:
- Personal property loss is covered. If you need to replace furniture or other items due to an earthquake, you’ll be covered. However, most policies have high deductibles. They also may not cover highly breakable items.
- Expenses associated with having to move out of your rental are covered (aka, loss of use). If you need to relocate to a hotel while repairs are being made, earthquake insurance should cover some of this cost, up to a specified limit.
Adding an earthquake rider to a Progressive renters insurance policy shouldn’t cost much. Why? Because if there’s expensive structural damage to your apartment, your landlord is responsible for fixing it.
Best wishes on your move to California—and may you never have to file an earthquake claim!
Curious about renters insurance and earthquake coverage? Interested in comparing rental policy rates across multiple insurers?
Jerry
has you covered! Use the Jerry app to help with your renters and car insurance
needs. In seconds, the Jerry app delivers a wide selection of quotes to your phone. And did you know? If you bundle your renters insurance with your car insurance, the savings pile up!View full answer
- Gregory R.
WHY YOU CAN TRUST JERRY
Jerry partners with more than 50 insurance companies, but our content is independently researched, written, and fact-checked by our team of editors and agents. We aren’t paid for reviews or other content.
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