Earthquake insurance application checklist
The quality of your application submission directly affects how quickly the broker can obtain terms and how favorable those terms are. A complete application with retrofit documentation, clear foundation and construction details, and accurate loss history gets faster review and often better pricing than a sparse submission.
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:
- Homeowners declarations page: Coverage A limit, carrier name, policy expiration date
- Property details: year built, square footage, number of stories, roof type/age
- Foundation type: slab, raised, stem wall, post-and-pier, basement, or mixed
- Retrofit documentation: permits, EBB certificate, contractor name, permit number
- Masonry details: chimney present? Reinforced, anchored, or removed?
- Water heater strapping status
- Prior claims: any earthquake, earth movement, foundation, or structural insurance claims in the past 5 years
- Mortgagee: lender name and loan number if coverage is required by lender
- Coverage notes: any special requirements, prior coverage, or endorsement requests
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.