# Best Earthquake Insurance

> Best Earthquake Insurance is a residential earthquake insurance pricing-indication and application site operated by WJB Services, Inc. dba Bollinsure Insurance Services. The site provides an on-page Covwell earthquake application workflow, 25 California county pages covering the counties with a genuine residential earthquake market, two fault-corridor pages, deductible guidance, coverage guidance, retrofit context, underwriting-detail guides, and carrier market pages. Pricing indications and broker review are available for every California county, including those without a published page.

Contact: 562-268-9355 - quotes@bollinsure.com

Operated by WJB Services, Inc. dba Bollinsure Insurance Services — California Department of Insurance agency licence 6013787. Contact: 562-268-9355 (562-268-9355) · quotes@bollinsure.com

## Primary Pages

- [Best Earthquake Insurance](https://www.bestearthquakeinsurance.com/): pricing indication and application.
- [California earthquake insurance](https://www.bestearthquakeinsurance.com/california-earthquake-insurance/): statewide homeowner guide.
- [Earthquake insurance cost](https://www.bestearthquakeinsurance.com/earthquake-insurance-cost/): cost factors and public market baseline.
- [Earthquake insurance deductible](https://www.bestearthquakeinsurance.com/earthquake-insurance-deductible/): percentage deductible guide.
- [Earthquake insurance coverage](https://www.bestearthquakeinsurance.com/earthquake-insurance-coverage/): dwelling, contents, loss of use, and building code coverage.
- [Earthquake retrofit insurance discount](https://www.bestearthquakeinsurance.com/earthquake-retrofit-insurance-discount/): retrofit documentation and underwriting.
- [Earthquake carrier markets](https://www.bestearthquakeinsurance.com/carriers/): carrier and program market index.

## Carrier Market Pages

- [California Earthquake Authority](https://www.bestearthquakeinsurance.com/carriers/cea/): public program context, not a conventional private-carrier AM Best rating page.
- [Covwell earthquake application workflow](https://www.bestearthquakeinsurance.com/carriers/covwell/): application/PDF workflow context.
- [ICW Group](https://www.bestearthquakeinsurance.com/carriers/icw-group/): AM Best A signal and appetite notes.
- [Palomar Specialty](https://www.bestearthquakeinsurance.com/carriers/palomar-specialty/): AM Best A- signal and specialty catastrophe notes.
- [GeoVera](https://www.bestearthquakeinsurance.com/carriers/geovera/): specialty earthquake market context.
- [Munich Re EQ](https://www.bestearthquakeinsurance.com/carriers/munich-re/): AM Best A+ signal and program-capacity context.
- [QBE](https://www.bestearthquakeinsurance.com/carriers/qbe/): AM Best A signal and program-market context.
- [AXIS Capital](https://www.bestearthquakeinsurance.com/carriers/axis/): AM Best A+ signal and specialty-market context.

## Page Families

- [California county index](https://www.bestearthquakeinsurance.com/california/): every published county page, grouped by region.
- California county pages (25): Los Angeles, Orange, San Diego, Riverside, San Bernardino, Ventura, Santa Barbara, San Luis Obispo, Kern, Imperial, San Francisco, San Mateo, Santa Clara, Alameda, Contra Costa, Marin, Sonoma, Napa, Solano, Santa Cruz, Monterey, Humboldt, Sacramento, San Joaquin, and Fresno. Each covers the specific faults governing that county, its soils and slopes, its dominant building stock and construction eras, how that combination drives deductible and rate, and what a buyer there should do. The other 33 California counties redirect to their nearest published neighbour; coverage and pricing are still available statewide.
- Fault corridor pages (2): [San Andreas Fault](https://www.bestearthquakeinsurance.com/california/san-andreas-fault-earthquake-insurance/) and [Hayward Fault](https://www.bestearthquakeinsurance.com/california/hayward-fault-earthquake-insurance/). City-level and marketing-region pages were consolidated into the county pages they duplicated.
- Coverage and underwriting guides: deductible calculator, older homes, pre-1980 homes, high-value homes, condo, renters, rental property, mobile home, masonry, raised foundation, slab foundation, loss of use, personal property, building code upgrade, soft-story, liquefaction, hillside, bolting, cripple-wall bracing, and application checklist pages.

## Application Workflow

- The homepage wizard creates a preliminary pricing indication from county, dwelling limit, deductible, construction, foundation, age, retrofit, and loss-history fields.
- Pricing indications are computed for California properties only, using the California Department of Insurance-anchored model. Properties in any other US state still complete the same wizard and application, but see "Custom quote" instead of a computed range -- a licensed broker follows up with pricing after submission.
- Preview mode posts to `/api/submit` and returns a filled PDF preview without emailing.
- Final mode fills `api/earthquake-application.pdf`, adds an audit page, attaches the adopted e-signature data, and emails the completed PDF through Resend when `RESEND_API_KEY` is configured.
- `vercel.json` includes `api/earthquake-application.pdf` with `api/submit.js` so the production serverless function can actually fill the application.

## Legal Pages

- [Privacy Policy](https://www.bestearthquakeinsurance.com/privacy-policy/): data collection, use, CCPA rights, and analytics disclosure.
- [Terms of Service](https://www.bestearthquakeinsurance.com/terms-of-service/): non-binding pricing indications, e-signature consent, governing law.

## Important Notices

- Pricing indications are preliminary estimates, not offers of insurance.
- Coverage availability, pricing, policy form, issuing carrier, deductible options, and exclusions can change.
- AM Best financial strength signals should be re-confirmed at placement because ratings and underwriting paper can change.
- Final terms require underwriting review and carrier approval.
- Users should contact Bollinsure for binding, coverage review, and carrier-specific terms.

## Public Source Baseline

- California Department of Insurance earthquake study: https://www.insurance.ca.gov/0400-news/0200-studies-reports/0300-earthquake-study/
- CEA coverages and deductibles: https://www.earthquakeauthority.com/california-earthquake-insurance-policies/homeowners/coverages-and-deductibles
- California Department of Insurance earthquake guide: https://www.insurance.ca.gov/01-consumers/105-type/95-guides/03-res/eq-ins.cfm
- USGS National Seismic Hazard Model: https://www.usgs.gov/programs/earthquake-hazards/science/national-seismic-hazard-model