Earthquake deductibles are a percentage of your dwelling limit, designed for major structural loss. You can often choose a lower percentage for a higher premium. The structure reflects the region-wide nature of earthquake risk, where a single event can trigger claims across a whole area at once.
Related FAQs
Wood-frame homes tend to perform better than masonry, but they are not immune. Coverage still protects against major structural and contents loss.
The CEA offers coverage through its member home insurers; private insurers write earthquake coverage independently, sometimes with different deductibles, higher limits, or standalone policies. We help you compare both. ...
No. California homeowners, condo, and renters policies exclude earthquake damage; it requires a separate policy or endorsement.
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