Hartwell Earthquake Guarantee for California Homeowners

If you are looking for affordable Earthquake Protection, then look no further this is the product for you.

What is the Hartwell Earthquake Guarantee for California Homeowners (HEGCH)?

The HEGCH is a Guarantee Fund set up for the benefit of Homeowners in the State of California who require Earthquake Coverage.

We have four Contract payment levels which are based upon the Guarantee Amount that you require for your property:

  • Property Re-Building Value up to $100,000 – annual payment of $135.50.
  • Property Re-Building Value from $100,000 but less than $500,000 – annual payment of $275.
  • Property Re-Building Value from $500,000 but less than $1,000,000 – annual payment of $325
  • Property Re-Building Value more than $1,000,000 – annual payment of $450

What we do is to take all payments from all Guarantee Fund Members and put them into a Fund which is kept in Cash, we keep everything simple and in cash, earning interest. We do not invest the cash and we do not offer investment advice.

We make a payment promise to all of our Guarantee Members: we will never increase your annual payment from the date that you join the Guarantee Program, unless the re-building cost of your property changes.

The Guarantee Fund will pay claims to the Homeowner for the Peril of Earthquake ONLY up to the amount specified in the Application Form as well as in our Certificate of Membership and up to the total value of the Guarantee Fund.

There are NO DEDUCTIBLES under HEGCH so this can be purchased in conjunction with an Insurance Policy if you have one Covering the Peril of Earthquake.

Just to confirm this: the HEGCH will pay out from Dollar one in the event of a valid claim, you will retain nothing.

Please note that HEGCH is a Guarantee Contract and is NOT an Insurance Policy. Hartwell Insurance reserves the right to be the ultimate judge of who is covered under the HEGCH and for what amounts.

We make one more promise to our Guarantee Fund Members: If Hartwell ever, for any reason, decides to close the Fund we will return all money remaining in the Guarantee Fund to our current members in strict percentage calculated in relation to the number of members at the time of closing.

If you have any questions about our Earthquake Guarantee Fund please email us on: california.earthquake@hartwell-insurance.com

Am I eligible to join the Hartwell Earthquake Guarantee?

You need to meet the following criteria in order to be a member of the Guarantee:

  • You need to be a Homeowner in California
  • You need to be able to supply us with the Building Value of your home. Please note that this is different to the Sales Value of your Home.

That’s it, no difficult questions and no inspections.

How do I join the HEGCH?

You will need to complete the short form below and complete the Annual Membership fee associated with your Re-Building Value. Once you have done this you will receive Certificate of Membership which contains your unique reference number.

You are good to go.

join the HEGCH

This application form will take you to the payment gateway for your joining payment..


Please click here to view the terms and conditions of the Hartwell Earthquake Guarantee for California Homeowners.

How do I make a claim?

Claiming could not be easier.

To make a claim you must fill in the following form: