Earthquake Deductible Buy-Down Insurance

While many policy holders carry earthquake insurance coverage with their home or tenant insurance policy, few realize how high their earthquake deductible is. Many policy holders will struggle to pay their earthquake deductible when the coverage is needed without earthquake deductible insurance. Guardian Risk Manager’s Earthquake Deductible Buy-Down Insurance policy offers a reduced deductible, which will allow the claims process to begin sooner in the event of an earthquake, providing peace of mind to your clients.

Here is an example of how Earthquake Deductible Insurance can benefit your clients:

Description Coverage Limits Deductible
10% EQ Deductible A. Dwelling $600,000

B. Detached Structures $60,000

C. Contents $480,000

D. ALE $120,000

A. $60,000

B. $6,000

C. $48,000

D. $0


Coverage Benefits of Earthquake Deductible Buy-Down Insurance:

  • Affordable premium for clients

  • Increased sales of Earthquake Coverage as clients can purchase buy-down insurance on the deductible

  • Minimize E&O exposure

  • Lower earthquake deductible reduces client stress following an earthquake

  • Flexibility — clients can purchase a limit to cover the deductible up to a maximum of $500,000 , or just a portion of the deductible

  • Can be sold as a standalone policy

  • Fast response times & quick quote turnaround

Application Form

If you have any questions or would like to forward a submission, contact our Niche division at