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California earthquake insurance is designed to protect property owners from financial loss due to damage caused by earthquakes, a significant risk in California. Structural Damage: Repairs or replacement of the home’s structure, including walls, roof, and foundation. Personal Property: Coverage for belongings like furniture, electronics, and clothing that are damaged or destroyed. Additional Living Expenses: If your home is uninhabitable due to an earthquake, this covers temporary lodging and other related expenses.

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