What California homeowners should compare
Earthquake insurance is usually purchased separately from homeowners insurance. The biggest decisions are the dwelling limit, percentage deductible, personal property limit, loss of use limit, and whether the home has retrofit documentation.
Why an application still matters
Address-level hazard, foundation type, construction, slope, masonry, prior damage, and existing homeowners coverage can change eligibility and final price. A quick indication is only the start of underwriting.
Best next step
Use the Best Earthquake Insurance application to generate a preliminary range and submit the Covwell residential application for broker review.