Earthquake insurance for high-value homes

What you need to know

A 15% deductible on a $1.5M home is $225,000 — more than most homeowners can absorb without insurance. High-value homes in California also face building code upgrade exposure, specialty market requirements, and carrier appetite limitations at standard markets. An independent broker with access to admitted and non-admitted specialty markets is especially valuable for homes above $1M.

Key application fields

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:

Dwelling limit and current homeowners Coverage A value
Desired earthquake dwelling, personal property, loss of use, and BCU limits
Construction type and foundation — especially masonry or unusual configurations
Year built and retrofit status — impacts deductible availability above $1M
Prior claims, structural repairs, or unrepaired damage

Why independent broker review matters

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.

How this fits the application

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.

Frequently asked questions

Questions homeowners ask before choosing earthquake coverage

When should I request an earthquake insurance indication?

Request an indication when you know the property address, dwelling limit, year built, foundation, construction type, and preferred deductible. More complete information usually produces a more useful range.

Why use Best Earthquake Insurance?

Best Earthquake Insurance combines a fast indication with independent broker review so you can understand market options, deductible tradeoffs, and underwriting concerns before relying on one carrier path.

What happens after I submit?

A licensed broker reviews the information, checks for missing details, and follows up with preliminary options or next steps. Nothing is bound until underwriting and carrier terms are finalized.