Earthquake insurance

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Aviva offers earthquake insurance that you can add to your policy to make sure that you’re covered.

What's covered

We offer optional coverage to help you get back on track after an earthquake.  

House

Available in British Columbia

  • Emergency living expenses – up to $25,000 for temporary accommodation, food and transportation costs if you’re unable to live in your home after an earthquake
  • Building only – coverage to repair or rebuild your home with a choice of 5%, 8% or 10% deductible based on your building’s coverage amount
  • Building + contents – coverage to repair or rebuild your home plus replace your belongings with a choice of 5%, 8% or 10% deductible based on your building’s coverage amount

Earthquake coverage for Building + Contents is available in all other provinces.  Talk to your broker for more information.

Condo

Available in all provinces
  • Contents – coverage to replace your belongings with a choice of 5%, 8% or 10% deductible. The upgrades you’ve made to your unit, condominium loss assessment and unit additional protection are also covered. 
  • This coverage is available in Quebec with a 5% deductible.

Tenants

Available in all provinces
  • Contents – coverage to replace your belongings with a choice of 5%, 8% or 10% deductible.
  • This coverage is available in Quebec with a 5% deductible.

Manufactured home

Available in British Columbia
 
  • Emergency living expenses – up to $25,000 for temporary accommodation, food and transportation costs if you’re unable to live in your home after an earthquake.
  • Building + contents – coverage to repair or rebuild your home and replace your belongings. Deductible amounts vary based on the location of the manufactured home.

Earthquake coverage for Building + Contents is available in all other provinces.  Talk to your broker for more information.

Simplified seismic hazard map for British Columbia

Although earthquakes occur in all regions of Canada, certain areas have a higher probability of experiencing damaging ground motions caused by earthquakes.

The map below provides an idea of the likelihood of experiencing strong earthquake shaking at various locations across British Columbia. This map shows the relative seismic hazard across British Columbia for single family dwellings (1-2 story structures).

2015 Seismic Hazard Map - Geological survey of Canada

The values from the National Building Code of Canada seismic hazard maps are used directly by the code to determine the design requirements of buildings to help ensure they are able to withstand expected levels of shaking from potential future earthquakes.

Those maps are available at: http://www.earthquakescanada.nrcan.gc.ca/hazard-alea/zoning-zonage/NBCC2015maps-en.php and engineers obtain the hazard values specific to their site from our online calculator at: http://www.earthquakescanada.nrcan.gc.ca/hazard-alea/interpolat/index_2015-en.php

Source: Earthquakes Canada website, Natural Resources Canada, 2018. Reproduced with the permission of the Department of Natural Resources, 2018.

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