Hillside earthquake insurance
Hillside homes face compound earthquake risk: ground shaking plus slope instability, landslide, and differential settlement. Carriers specifically ask about hillside, steep slope, fill, and unusual soil in applications. Known hillside conditions typically add a pricing surcharge; unknown conditions add a smaller surcharge until the broker can clarify.
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:
- Hillside, steep slope, fill, or unusual soil: yes, no, or unknown
- Slope percentage or description if available
- Any prior landslide, slope failure, or settlement
- Foundation type and any retaining wall or slope stabilization documentation
- County and address for local hazard zone verification
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.