Earthquake Insurance
Critical coverage for Oregon's Cascadia Subduction Zone — protecting homes, businesses, and coastal properties
Earthquake Insurance
Critical coverage for Oregon's Cascadia Subduction Zone — protecting homes, businesses, and coastal properties
Or Get A Free QuoteOregon Earthquake Insurance Specialists
Oregon sits directly above the Cascadia Subduction Zone — one of the most seismically active fault systems in North America. Scientists predict a magnitude 8-9 earthquake along this fault could cause catastrophic damage across the entire Oregon Coast and Willamette Valley. Despite this well-documented risk, fewer than 15% of Oregon homeowners carry earthquake insurance. Standard homeowners and commercial property policies do not cover earthquake damage. Gerald Ross Agency helps Oregon families and businesses close this critical coverage gap.
Why Choose Gerald Ross Agency?
- Independent agency — we work for you
- 50+ top-rated insurance carriers
- Licensed Oregon agents
- Serving Oregon Coast since 1937
- Competitive rates through market comparison
- Personalized service and claims advocacy
What's Covered
Dwelling Coverage
Covers repair or rebuilding of your home after earthquake damage, including foundation, walls, and structural elements.
Personal Property
Covers damage to your belongings — furniture, electronics, clothing, and valuables — caused by earthquake shaking.
Additional Living Expenses
Covers hotel, meals, and living costs if your home is uninhabitable while earthquake repairs are made.
Commercial Building
Covers earthquake damage to commercial buildings, including structural damage, contents, and business equipment.
Business Interruption
Covers lost revenue and ongoing expenses if your business is forced to close following an earthquake.
Tsunami Coverage
Earthquake policies can be combined with flood coverage to address the tsunami risk that follows a Cascadia event.
Code Upgrade Coverage
Covers the additional cost to bring your rebuilt structure up to current building codes after an earthquake.
Masonry & Older Structures
Specialized coverage for older masonry buildings and unreinforced structures that face elevated earthquake risk.
How Oregon Earthquake Insurance Works
Assess Your Seismic Risk
We evaluate your property's location relative to Oregon's Cascadia Subduction Zone fault lines, soil type, and construction to determine your earthquake exposure and appropriate coverage levels.
Compare Earthquake Markets
We shop CEA (California Earthquake Authority) and private earthquake carriers to find the best combination of coverage, deductible, and premium for your Oregon property.
Customize Your Coverage
We help you select the right dwelling, personal property, and additional living expense limits — and explain deductible options so you understand exactly what you'd pay in a Cascadia event.
Ongoing Policy Review
As your property value changes or you make improvements, we review your earthquake coverage to ensure your limits keep pace with rebuilding costs and your protection remains adequate.
Frequently Asked Questions
Common questions about this coverage in Oregon.
Still have questions? Our licensed agents are here to help.
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