Fire & Earthquake Insurance Points Guide｜Bulk Quotes & Consults via Cashback

Deep dives Published：2026-06-04 5 min read

Fire & Earthquake Insurance Points Guide｜Bulk Quotes & Consults via Cashback

Fire and earthquake insurance, needed when buying a home, moving, or signing a rental, is a category where bulk-quote and insurance-consultation applications are sometimes cashback-eligible on point sites. Comparing several insurers keeps premiums down, and the quote request / consultation itself earns routing cashback. The keys: route the bulk-quote/consultation application, compare coverage and premiums across insurers, gauge the coverage you actually need, and pay with a cashback method. This guide covers fire/earthquake insurance points. See the Insurance Bulk-Quote Guide, the Insurance Consultation Guide, and the Mortgage Guide.

Things to Consider for Fire/Earthquake Insurance

Situation	How to Earn	Point
Bulk-quote application	Route the quote request	Check the earn condition
Insurance consult (in-person/online)	Book the consult via routing	Insurance Consultation Guide
Comparing coverage	Gauge the coverage you need	Flood/quake — needed?
Paying the premium	Pay with a cashback method	Long-term lump sum is cheaper

※ Cashback points and eligible routing vary by service and timing. Conditions differ — "earned on quote request," "on consult," "on contract" — so always check. Check each service and Pointnavi for the latest. For choosing loyalty points, see the Loyalty Points Comparison Guide.

Fire/Earthquake Insurance Points: Steps

① Route the bulk-quote / consult applicationRoute through a point site before applying to a fire-insurance bulk-quote or consultation service. Check offers on Pointnavi. For "earned on quote request" / "on consult" offers, just requesting or consulting can earn cashback (check).
② Compare coverage and premiums across insurersFire-insurance premiums vary by building structure, location, and coverage scope. Use a bulk quote to compare insurers and weigh premiums at the same coverage level. See the Insurance Bulk-Quote Guide.
③ Gauge the coverage you needBeyond fire, lightning, and wind damage, judge whether you need flood, theft, breakage, etc. Earthquake insurance can only be added on top of fire insurance (no standalone). Match your area's risks and choose coverage with no gaps or excess.
④ Pay the premium with a cashback methodPay the premium with a cashback method. A long-term lump sum is often cheaper. When moving, bundle routing/cashback with your other procedures. Moving Guide, Tap Payment Guide, Expiry Prevention Guide.

⚠️

The core of fire/earthquake insurance points is "routing cashback on bulk quotes/consultations," but insurance is important protection for emergencies, and what matters most is choosing coverage that fits your home and household budget — not the points. Don't cut needed coverage just for cashback or a deal, nor pile on coverage you don't need. The coverage fire insurance requires varies with building structure, area risk, mortgage conditions, and more. Use a bulk quote or consultation to compare several insurers and carefully check coverage, premiums, and whether riders are needed. Earthquake insurance can only be taken bundled with fire insurance and has rules like a coverage cap. If unsure, consult an insurance-consultation professional. Keep routing/payment cashback to "picking it up alongside insurance you genuinely need."

Cautions

Don't cut / over-add coverage for cashback: Insurance is emergency protection. Don't cut needed coverage just for cashback or a deal, nor pile on unneeded coverage or riders. Choose coverage that fits your home and budget.
Compare insurers at the same conditions: Fire-insurance premiums differ by insurer. Use a bulk quote to compare premiums at the same coverage, and if one is extremely cheap, check its coverage scope.
Understand earthquake-insurance rules: Earthquake insurance can only be taken bundled with fire insurance and has a coverage cap. Judge whether you need it based on your area's earthquake risk.
Mind routing conditions / don't forget to route, consolidate points: Check whether it's "earned on quote request" or "on consult/contract." No routing means no cashback. Use earned points within their validity. Expiry Prevention Guide.

FAQ

Where do fire/earthquake insurance points apply?

Fire-insurance bulk-quote and consultation applications are sometimes cashback-eligible on point sites. For "earned on quote request" / "on consult" offers, just requesting or consulting can earn cashback (check). Comparing several insurers is itself a benefit for keeping premiums down.

Can I earn points from just a quote or consult?

It depends on the offer. For "earned on quote request" / "on consult" offers, you earn cashback once you request the bulk quote or do the consultation via routing. "Earned on contract" offers only pay if you actually sign. Always check the conditions. Either way, learning the fair premium and coverage through comparison matters.

What should I watch out for?

Don't cut needed coverage just for cashback or a deal, nor pile on coverage you don't need. The coverage fire insurance requires varies with building structure, area risk, and mortgage conditions, so compare insurers at the same conditions. Earthquake insurance can only be bundled with fire insurance and has a coverage cap. If unsure, consult an insurance professional, check the routing condition, and use earned points within their validity.

Compare fire/earthquake insurance bulk-quote & consult cashback → Read the Insurance Bulk-Quote Guide

This article was written from publicly available information on each point site as of May 2026. Cashback rates, campaign terms, and redemption rules can change without notice — always check each site's official page for the latest. This site uses each point site's referral program, but going through a referral link never changes the rate you receive.