While earthquake insurance is not required by law, it is highly recommended for California residents. California is a seismically active region, and earthquakes can cause significant damage to homes and personal property. Earthquake coverage is typically offered as an add-on to your homeowners insurance policy.
Fraud is a crime
If your application contains purposefully misleading, absent, or inaccurate information, you could be charged with fraud. Your insurance carrier could potentially void your policy, or you could face civil or criminal charges or penalties.
Any person who knowingly and with intent to defraud any insurance company or other person, files an application for insurance or statement of claim containing any materially false information or conceals, for the purpose of misleading, information concerning any fact material thereto, commits a fraudulent act, which is a crime.
