Earthquake insurance for condos
Condominium earthquake insurance is more complex than single-family homeowners coverage. The HOA master policy may or may not include earthquake coverage, and if it does, the deductible may be assessed back to individual owners. Unit owners need their own earthquake coverage for interior improvements, personal property, ALE, and potentially loss assessment.
What the Best Earthquake wizard captures
The application documents all the details underwriters look for. Gathering the following before applying produces a stronger submission and faster broker review:
- Unit-owner dwelling limit (bare walls in vs. all-in depending on HOA documents)
- HOA master policy earthquake coverage status and deductible
- Loss assessment limit — covers owner's share of HOA assessments after a covered event
- Personal property and loss of use limits
- Building year, construction type, foundation, and soft-story status
From indication to bindable options
The Best Earthquake Insurance application gives a preliminary annual range anchored to CDI data, then submits a completed Covwell application to Bollinsure for broker review. A licensed California broker reviews your construction, retrofit, and loss details and shops multiple carrier markets to find the best available terms.
The indication is not a bindable quote — final coverage is subject to underwriting, carrier eligibility, and policy terms. But starting with a strong, complete application gives the broker the best possible foundation for market submission.
Ready to submit?
The 5-step application wizard takes approximately 5–8 minutes to complete. It walks through property and applicant details, coverage terms and deductible selection, construction and foundation type, retrofit and loss history, and a review-and-sign step where you can preview the completed PDF before submitting.
Your completed application is reviewed by a licensed broker who follows up — often the same business day — with market options and next steps.