Policy Information ("Quake Insurance 101")

Coverage A of the policy provides coverage for loss to a dwelling or residential structure owned by the insured.

Coverage B of the policy provides coverage for loss to appurtenant structures owned by the insured.

Coverage C of the policy provides coverage for personal property owned or used by the insured.

Coverage D of the policy provides coverage for alternative living arrangements if the dwelling is unfit to live in as a result of quake damage.

Coverage E of the policy provides coverage for upgrading the quake damaged dwelling to new building codes if required.

Coverage F of the policy provides coverage for debris removal and demolition among other things.


RESIDENTIAL EARTHQUAKE COVERAGE:
BuyQuakeInsurance.com provides several policies to help you to tailor coverage to your needs:

Superior EQ Earthquake Policy:

  • Coverage A - Damage to the dwelling structure covered up to the Coverage A limit.
  • Coverage B - Damage to appurtenant structures covered up to 10% of the Coverage A limit.
  • Coverage C - Damage to personal property covered up to 50% of the Coverage A limit.
  • Coverage D - Loss of Use coverage provided up to 20% of the Coverage A limit or $25,000 whichever is less.
  • Coverage E - Provides coverage for up to $10,000 if the dwelling meets the definition for earthquake hazard reduction.
  • Coverage F - Provides coverage for up to $10,000 for loss assessment charged by an association of property owners.

Condo EQ Earthquake Policy:

  • Coverage A (Building Additions and Alterations) is included with a limit of $25,000
  • Loss Assessment is included with a limit of $5000
  • Loss of Use is included with a limit of $2500
  • Coverage C (Personal Property limit must match the companion HO-6 Policy limit)

Standard EQ Earthquake Policy:

  • Our basic policy covering damage to the dwelling structure up to the limit set in Coverage A.
  • Coverage B - this policy offers no coverage for appurtenant structures.
  • Coverage C - Damage to personal property covered up to a limit of $5,000 subject to the limits of the policy.
  • Coverage D - Loss of use provided up to a limit of $1,500.
  • Coverage E - Provides coverage up to $10,000 if the dwelling meets the definintion for earthquake hazard reduction.
  • Coverage F - Loss Assessment is not covered.
  • No deductible applies for loss of use coverage.

Lastly, Our lawyers want you to know: Only an insurance policy, not this website, can form an actual contract between you and an insurance company. We do our very best to provide accurate quotes (and we do), however in the unlikely event there is a discrepancy, the carrier’s approved rates will always prevail. The carrier also reserves the right to accept or reject applications for coverage. No coverage is bound until you receive a policy number.

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