---
title: "Geovera Insurance Review [Updated 2026]"
description: "Geovera is a specialty insurer focused on Earthquake insurance in California, Washington, and Oregon, as well as Homeowners/Wind Insurance in Florida. It provides real insurance policies for homeowners with difficult to insure properties or risks that other insurers won't take."
canonical: "https://www.coveragecat.com/reviews/geovera-insurance-review"
last-updated: "2026-08-13"
---
# Geovera Insurance Review [Updated 2026]
1. [Introduction to Geovera Insurance](#introduction)
2. [What Kinds of Insurance Does Geovera Offer?](#kindsofinsurance)
3. [How Does Geovera Insurance Work?](#howdoesitwork)
4. [Pros and Cons of Geovera Insurance](#proscons)
5. [Ratings and Customer Feedback for Geovera Insurance](#ratings)
6. [Get Customer Support Or File A Claim For Geovera Insurance](#customersupport)
7. [Frequently Asked Questions](#faq)
### Introduction to Geovera
The GeoVera Insurance Group and its affiliate companies offer specialized insurance to cover property in areas with severe weather. Headquartered in Fairfield, California, GeoVera Insurance Group provides earthquake insurance in California, Oregon, and Washington; wind and flood in some states; and homeowners and wind in Florida. Geovera offers both admitted and non-admitted insurance depending on the state and insurance product.
The GeoVera Insurance Group [restructured in 2024 and early 2025](https://www.businesswire.com/news/home/20240409841861/en/GeoVera-Announces-Combination-of-Its-Insurance-Carriers-with-SafePort-Insurance-Company-to-Create-GeoVera-Nova-Holdings-Will-Simultaneously-Sell-MGA-to-SageSure) to improve capital efficiency and expand coverage types. The new holding company, GeoVera Nova Holdings, Inc., now manages four affiliate companies: GeoVera Insurance Company, [GeoVera Specialty Insurance Company](https://geovera.com/geovera-specialty/), [Coastal Select Insurance Company](https://geovera.com/coastal-select/), and [SafePort Insurance Company](https://safeportinsurance.com/). In [January 2025, SageSure completed the acquisition](https://www.lifeinsuranceinternational.com/news/sagesure-completes-purchase-geovera/) of GeoVera Advantage Insurance Services, merging SageSure's catastrophe risk expertise with GeoVera's earthquake insurance franchise. This combination positions GeoVera under the SageSure group as one of the most trusted names in catastrophe-exposed property insurance.
### What Kinds of Insurance Does Geovera Offer?
GeoVera Insurance Group provides earthquake insurance, homeowners, wind, and flood insurance. Availability of insurance products depends on your state, your home's risk, and other factors.
### Earthquake Insurance
GeoVera Insurance Group provides [earthquake insurance](https://geovera.com/earthquake-insurance/) in California, Oregon, and Washington through two of its subsidiaries: Coastal Select Insurance Company and Geovera Insurance Company. Earthquake insurance is purchased in addition to homeowners, condo, or renters as these policies do not cover earthquake damage. Homeowners insurance companies in California must offer earthquake insurance, but they may offer policies through the [California Earthquake Authority](https://www.earthquakeauthority.com/) or private earthquake insurance companies like Geovera.
In January 2026, GeoVera introduced [Quake Plus+](https://geovera.com/who-we-are/), a new surplus lines earthquake insurance product for California homeowners, expanding its product portfolio to serve additional market segments.
### Homeowners and Wind Insurance
In Florida, GeoVera Specialty Insurance Company offers non-admitted homeowners insurance that covers wind, flood, residential landlord, and vacant home insurance. Geovera homeowners policies provide coverage for dwellings, other structures, personal property, loss of use, and even seasonal or secondary homes. Geovera also offers wind-only insurance policies for Florida homeowners who need additional coverage for their existing homeowners policy.
### Does GeoVera Sell Auto Insurance?
GeoVera does not sell auto insurance.
### Does GeoVera Sell Liability Insurance?
GeoVera's homeowners policies may include coverage for liability, but they do not sell standalone liability policies or focus on liability insurance.
### How Does Geovera Insurance Work?
Geovera provides a variety of insurance products, including admitted and non-admitted insurance policies. How your policy works is determined by the policy type you purchase, the coverage you select, and insurance regulation in your state.
### How Does Geovera Earthquake Insurance Work?
A Geovera Earthquake policy provides stand-alone earthquake coverage that can be used with any homeowners insurance carrier. Geovera policies offer a wide variety of limits and coverages, including Dwelling, Other Structures, Personal Property, and Loss of Use.
Geovera offers two main Earthquake products: Quake Select Flex Limit EQ and Single Limit EQ. [Quake Select Flex Limit EQ](https://geovera.com/quake-select-earthquake-insurance/) is a flexible limit option that provides deductibles as low as 2.5% and as high as 25% for customers to balance savings or protection. [Single Limit EQ](https://geovera.com/single-limit-earthquake-insurance/) provides up to $5 Million in coverage in California and up to $1.9 Million in Oregon and Washington, with deductibles from 10% to 25%. The Single Limit product features [a combined single limit](https://geovera.com/geovera-insurance/) for all coverages with one deductible, including demand surge.
GeoVera policies do not substitute for homeowners insurance but provide coverage for earthquake damage that all homeowners insurance policies exclude.
| **Earthquake Product** | **Coverage Limit** | **Deductible Range** | **Availability** |
|------------------------|-------------------|---------------------|------------------|
| Quake Select Flex Limit | Varies by coverage type | 2.5% to 25% | CA, OR, WA |
| Single Limit EQ | Up to $5M (CA); up to $1.9M (OR, WA) | 10% to 25% | CA, OR, WA |
### How Does Geovera Homeowners Insurance Work?
[GeoVera offers homeowners insurance in Florida](https://geovera.com/homeowners/) through GeoVera Specialty Insurance Company, a [non-admitted carrier](https://www.investopedia.com/terms/a/admitted-insurance.asp). GeoVera Specialty Insurance sells coverage through partner wholesale brokers who specialize in the non-admitted or surplus lines insurance market and navigate the complexities of these higher-risk insurance needs.
While Geovera is not licensed in Florida, they are legally permitted to sell homeowners insurance as a surplus lines carrier because they can cover risks that are unusual, higher risk, or exceed the capacity of admitted insurers. Surplus lines carriers have more flexibility in setting rates and tailoring coverage terms, which makes them more willing to assume these risks.
## Pros and Cons of Geovera
Pros
- Geovera is a specialty carrier with expertise in insuring property against severe weather and disasters.
- Geovera Earthquake policies are stand alone and do not require purchasing a homeowners policy through a specific carrier.
- As a surplus and excess insurer, Geovera can cover risks that traditional insurers cannot accept.
- Geovera maintains an A (Excellent) financial strength rating from AM Best with a stable outlook.
Cons
- Geovera's non-admitted policies do not benefit from some state guarantee funds.
- Deductibles can be high.
- Customer reviews suggest concerns about claims handling and customer service.
### Ratings and Customer Feedback for Geovera Insurance
Geovera Insurance ratings and reviews from customers reveal a complex picture. The company maintains strong financial strength ratings but receives mixed feedback on customer service and claims handling.
| **Rating Source** | **Rating** | **Notes** |
|------------------|-----------|-----------|
| AM Best Financial Strength Rating | A (Excellent) | Affirmed in February 2025 with stable outlook |
| Better Business Bureau | Not Accredited | Failure to respond to 3 complaints filed against business |
| Clearsurance Customer Reviews | 1.43 out of 5 stars | Based on 19 reviews; 78.95% rated 'Poor' |
| Nsure.com Carrier Rating | 4 out of 5 stars | Independent aggregated carrier assessment |
[AM Best affirmed](https://www.businesswire.com/news/home/20250219703216/en/AM-Best-Removes-From-Under-Review-With-Developing-Implications-Upgrades-Credit-Ratings-of-SafePort-Insurance-Company-Affirms-Credit-Ratings-on-Remaining-Members-of-GeoVera-Nova-Insurance-Group) GeoVera's Financial Strength Rating of A (Excellent) and Long-Term Issuer Credit Ratings of 'a' (Excellent) in February 2025, removing the ratings from Under Review with Developing Implications and revising the outlook to stable. AM Best assessed the company's balance sheet strength as "very strong" with strong operating performance. This affirmation followed the completion of GeoVera Nova Holdings' acquisition of SafePort Insurance Company in October 2024 and GeoVera Holdings in January 2025.
Despite strong financial ratings, customer reviews reveal service concerns. The [Better Business Bureau profile](https://www.bbb.org/us/ca/fairfield/profile/property-insurance/geovera-1116-30909) indicates GeoVera is not BBB Accredited and shows "Failure to respond to 3 complaint(s) filed against business." However, [Nsure.com provides](https://nsure.com/insurers/geovera-insurance/) a carrier rating of 4 out of 5 stars based on aggregated assessments.
[GeoVera's CEO noted](https://www.prnewswire.com/news-releases/geovera-announces-that-am-best-has-affirmed-its-a-excellent-ratings-and-revised-outlooks-from-negative-to-stable-for-members-of-the-geovera-insurance-group-301882293.html) that the A rating "differentiates GeoVera from its competitors" and demonstrates the company's strong financial position to handle catastrophe-exposed property risks.
### Financial Strength and Reinsurance Strategy
Geovera has strengthened its reinsurance position through catastrophe bond issuances. In February 2026, [GeoVera Nova entities secured $350 million](https://www.artemis.bm/news/geovera-insurers-secure-350m-veraison-re-2026-1-us-quake-cat-bond-at-reduced-pricing/) in US earthquake reinsurance from the Veraison Re Ltd. (Series 2026-1) catastrophe bond at pricing below initial guidance. The three-year protection began March 1, 2026. In January 2026, [GeoVera and SafePort secured $200 million](https://www.artemis.bm/news/meritage-re-2026-1-cat-bond-priced-to-provide-geovera-and-safeport-200m-of-reinsurance/) in US named storm reinsurance from the Meritage Re Ltd. (Series 2026-1) catastrophe bond, also at pricing below initial guidance. These catastrophe bonds provide GeoVera with substantial reinsurance capacity to manage catastrophic losses.
### Get Customer Support Or File A Claim For Geovera Insurance
Geovera customers can get service through their customer portal, email, phone, or mail correspondence.
* Geovera customers can find [contact details for their exact policy type here](https://geovera.com/contact-us/).
* The [myGeoSource Insurance portal](https://www.mygeosource.com/) is available to pay bills, get assistance, report or track claims, and access policy documents.
**How to contact Geovera by phone or email**
Geovera customers are recommended to contact their specific insurance affiliate under the Geovera umbrella.
**Coastal Select Insurance Company**
* **Email:** [info@coastalselectinsurance.com](mailto:info@coastalselectinsurance.com)
* **Call:** (800) 774-1012
**Geovera Advantage Insurance Services, Inc**
* **Email:** [info@geoveraadvantage.com](mailto:info@geoveraadvantage.com)
* **Call:** (800)232-3347
**Geovera Insurance Company**
* **Email:** [info@geovera.com](mailto:info@geovera.com)
* **Call:** (800)324-6020
**Geovera Specialty Insurance Company**
* **Email:** [info@geoveraspecialty.com](mailto:info@geoveraspecialty.com)
* **Call:** (800) 232-3347
### Geovera Insurance Claims Process
[GeoVera Advantage Insurance Services claims professionals](https://www.mygeosource.com/claimshelp.aspx) contact policyholders within one business day after a claim is filed. Claims representatives are available 24 hours a day at 1-800-735-8086. Customers can report claims through the myGeoSource portal or by phone.
[All GeoVera claims team members](https://geovera.com/claims-overview/) hold state-approved 3-year California Earthquake Authority certification. The claims team demonstrated expertise following Hurricane Beryl in 2024 and California wildfires in 2025. GeoVera partners with 13 third-party firms and over 100 engineers for inspections nationwide and maintains multiple housing partners on standby to assist displaced insureds. The claims process includes gathering receipts, photos, repair estimates, and field adjuster reports.
### Frequently Asked Questions
### Should I Buy GeoVera Insurance?
If you need earthquake coverage in California, Oregon or Washington, or an alternative option for residential insurance in Florida, Geovera might offer policies that fit your needs. Geovera provides specialty coverage that isn't always available through traditional carriers and can be useful if you need more coverage options. The best way to determine if Geovera is right for you is to get a quote with a licensed broker, such as [Coverage Cat](https://www.coveragecat.com/), and discuss your coverage options.
When evaluating whether Geovera is good insurance for your needs, consider both the company's strong financial strength rating and the mixed customer service feedback. The A (Excellent) AM Best rating indicates Geovera has the financial capacity to pay claims, but customer reviews suggest you should clarify claims procedures and service expectations before purchasing.
### Do I need Earthquake Insurance?
If you live in an area prone to natural disasters and you would not have the cash on hand to pay for repairs or rebuilding after a natural disaster, it is worth considering an earthquake policy. The Federal Emergency Management Agency (FEMA) estimates that only [$5,000 is paid out, on average, for individual assistance after a disaster](https://www.fema.gov/sites/default/files/documents/fema_earthquakes-can-drain-your-bank-account-infographic.pdf) and federal relief funds may not cover immediate costs. FEMA also estimates that only about [10% of residents in earthquake-prone states such as California, Washington, and Missouri are insured](https://www.fema.gov/emergency-managers/risk-management/earthquake/insurance).
The California Earthquake Authority has information about earthquake risk in the State, protecting your property against earthquakes, a list of insurers, and a [premium calculator](https://www.earthquakeauthority.com/california-earthquake-insurance-policies/earthquake-insurance-premium-calculator).
### Is GeoVera Insurance a Real Insurance Company?
GeoVera and its subsidiaries are real insurance companies and you can find their [licensing information here](https://geovera.com/licenses/). Geovera sells both admitted and non-admitted policies, depending on the type of insurance and the state in which you live. GeoVera Insurance Company was incorporated in Maryland in 1997 and domesticated to California in 2007, where it maintains its headquarters in Fairfield.
### How Does Geovera Make Money?
GeoVera makes money when the premiums it collects are higher than the claims it pays out. It also makes money from collecting service fees and by investing the cash it receives from premiums.
### What Are Common Geovera Insurance Complaints?
Based on customer reviews, common Geovera insurance complaints include concerns about claims handling, policy cancellations, and customer service responsiveness. The Better Business Bureau notes that GeoVera failed to respond to three complaints filed against the business. However, the company maintains strong financial ratings and continues to operate as a specialty carrier in catastrophe-exposed markets.
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