Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health insuran...

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Chris Harrigan has an economic degree from Limestone College and an MBA from Clemson University. He previously managed auto insurance claims for Enterprise Rent-A-Car. Currently, he is using his business and insurance expertise to provide insurance data analysis and visualizations to enhance the user experience.

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Reviewed by Chris Harrigan
Former Auto Insurance Claims Manager

UPDATED: Aug 11, 2021

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Key takeaways...

  • Geovera Insurance Company offers specialty insurance in California, Oregon, Washington State, and Hawaii
  • The types of specialty insurance that the Geovera Insurance Company offers are earthquake insurance for California, Oregon, and Washington State and windstorm and hurricane insurance in Hawaii
  • The Geovera Insurance Company does not offer any type of car insurance, personal or commercial

The Geovera Insurance Company does not offer any type of car insurance, personal or commercial. Geovera Insurance Company is a subsidiary of Geovera Holdings, Inc. They focus on specialty home insurance in the states of California, Oregon, Washington, and Hawaii. You would get your primary homeowners insurance plan with another company like Progressive or State Farm. Generally, these policies have certain exclusions. Then you would get a secondary policy for hurricanes in some states and earthquakes in others through Geovera Insurance Group.

Premiums are based on the area, any past claims made, and the replacement cost of the home. Geovera Insurance Group would generate a replacement cost estimator and set your premium based on the total cost to rebuild your house after a total loss. If damage was caused by other covered losses, your standard homeowners policy would kick in. This type of policy has coverage for both the building and a certain amount of personal belongings.

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What Else Should You Know about Geovera Specialty Insurance Company?

The Geovera Insurance Company began in 1997. In 1999 the parent company, USF and G Specialty Insurance Company, was bought by the St. Paul Companies.

In 2003 there was a merger between the St. Paul Companies and Travelers InsuranceToday the Geovera Insurance Company offers specialty insurance in California, Oregon, Washington State, and Hawaii.

The types of specialty insurance that the Geovera Insurance Company offers are earthquake insurance for California, Oregon, and Washington State and windstorm and hurricane insurance in Hawaii.

Earthquake insurance is a unique type of insurance that gives a homeowner added protection in these more earthquake-prone areas. While earthquake insurance can be added to some homeowners policies, it could increase rates dramatically. Separate policies with coverage options for specific hazards can be more affordable for everyone.

The specialty line of windstorm and hurricane insurance offered by Geovera Insurance Group to the residents of Hawaii offers many advantages.

This type of is available through the Geovera Insurance Company for private homeowners and for those that own rental properties. The houses can be insured up to $1 million. Keep in mind, this is in replacement costs. The price you bought the property for isn’t necessarily the price to rebuild it. If you do need a higher value policy, there are specialty companies that offer high value coverage. You should expect to pay much higher rates in cases like this.

The Geovera Insurance Company does not offer any type of car insurance, personal or commercial.

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References:

  1. https://www.geovera.com/
  2. https://www.geovera.com/About.aspx
  3. https://www.geovera.com/Earthquake-About.aspx
  4. https://www.geovera.com/GetPrepared.aspx
  5. https://www.geovera.com/Windstorm.aspx