Earthquake insurance for rental properties
Rental properties face a different coverage equation than owner-occupied homes. Loss of rents during a covered earthquake event can be as important as the dwelling coverage itself — especially for landlords who depend on rental income. Vacancy, tenant occupancy, and unit count also affect carrier appetite significantly.
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 type: single-family rental, 2-4 family, or apartment building
- Occupancy status: tenant-occupied, seasonal, or partially vacant
- Current dwelling limit and loss of rents / fair rental value limit
- Construction, foundation, year built, and retrofit documentation
- Prior earthquake, structural, or landlord insurance claims
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.