Earthquake personal property coverage
Personal property earthquake coverage pays for damage to furniture, electronics, appliances, clothing, and other contents. The important detail most homeowners miss: personal property may have a different deductible structure than the dwelling coverage. Some forms use a flat deductible for contents; others apply the same percentage deductible. Understanding this before binding matters.
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:
- Requested personal property limit
- Deductible treatment: flat dollar or same percentage as dwelling?
- High-value items: art, jewelry, wine, electronics — may need scheduled coverage
- Documentation: contents inventory improves claims handling
- Review the policy form for sublimits on specific categories
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.