Earthquake loss of use coverage
After a significant earthquake, the challenge isn't just rebuilding the home — it's living somewhere else while it happens. In a major regional event, contractor shortages can extend displacement by months. ALE coverage pays for hotel stays, temporary rentals, increased food costs, and related expenses above normal living costs for the duration of the displacement.
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:
- ALE limit: often 20–30% of dwelling limit on comprehensive forms
- Duration: check if the policy has a time limit on ALE payments
- Deductible: many forms have no deductible on ALE — confirm before binding
- Coverage trigger: home must be uninhabitable due to covered earthquake damage
- Regional event scenarios: ALE can be the most used coverage in a major earthquake
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.