Earthquake insurance for renters
Renters are often surprised to learn that their landlord's earthquake insurance covers the building — not the contents or temporary living costs of the people inside. A renter's earthquake policy covers personal belongings damaged by earthquake and ALE costs if the unit is uninhabitable. Premiums are typically much lower than homeowner policies because the dwelling exposure belongs to the property owner.
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:
- Renter's personal property limit and requested deductible
- Loss of use / ALE limit for temporary housing during displacement
- Prior personal earthquake or renter's insurance claims
- Building type: wood frame, masonry, soft-story — affects market appetite
- City, county, and address for risk tier determination
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.