What is it?
Earthquake Deductible Buyback insurance is coverage for earthquake deductibles. This insurance is available through Bridges International Insurance Services, for properties located in British Columbia. You need to prepare for earthquake BC. The perfect solution for high earthquake deductibles.

How it works:
An average earthquake deductible is 8%, 10%, 15% or even 20%. This means that your earthquake deductible is equal to that percentage of what your home is insured for.
You may ask: why would I buy EDB insurance if my deductible is so high? The reason is that coverage is there for large or total losses. In the event of an earthquake, you may be able to avoid bankruptcy by purchasing earthquake coverage. In an example of a million dollar house with all of its additional coverages, a 10% deductible equates to $100,000.
Question: Can you afford the earthquake deductible?
For instance, a dwelling insured at $500,000 with a 10% earthquake deductible will have a $50,000 earthquake deductible applied to restore/repair the building if a claim is made for earthquake damage. If a policy holder chooses to have EDB coverage, then the earthquake deductible will be paid by that policy, up to the limit purchased, subject to a $5,000 deductible.
Earthquake Deductible Buyback insurance coverage is available for all type of insurance.
- Homeowners Coverage:
You can purchase this coverage in order to protect your homes and personal property. - Business Coverage:
Business owners can also protect themselves in the event of a large or total loss due to an earthquake. - Condo & Strata Deductibles:
In addition to covering the contents, additional living expenses, betterments & improvements and earthquake deductible, this policy can include the remaining strata loss assessment coverage made necessary for an earthquake deductible of the strata building. All of this is available when earthquake coverage is triggered on the required underlying insurance policies.
For any questions, updated rates or comments related to our earthquake deductible buyback product, please contact us through the online quote request form.
Additional Coverage for $500,000 is now available.
Items to remember(Earthquake Deductible Buyback Insurance):
- Most locations qualify for coverage as long as you carry earthquake coverage on your primary policy.
- One location per contract therefore if you own multiple locations, please discuss with us how many policies you should purchase.
We live in an area of the world where earthquake coverage is necessary.
Every insurance company is going to apply a separate deductible to earthquake coverage.
In other words, your standard home insurance deductible does not apply in the event of an earthquake loss. Are you prepared?
Don’t spend your savings on a deductible.
Bridges International Insurance Services: 1-888-267-4461 or info@biis.ca