5 /5 David Warner: Choosing an earthquake insurance provider in California is one of those things that normally takes a lot of time and you have to weigh through a ton of information. With Calico, all it took was a brief phone call with an agent who was well-informed and profession, and all of my options were available to me online so I could make informed choices and then activate the policy of my choice right there. I highly recommend Calico. They also have great, competitive rates.