Earthquake insurance for townhomes
Townhome earthquake insurance sits between single-family homeowner and condo coverage. Whether the HOA covers the building exterior (bare walls in) or each owner covers from the studs in affects the required dwelling limit substantially. Shared walls also create ambiguity in earthquake damage claims — understanding the policy form 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:
- HOA master policy: earthquake coverage status, deductible, scope of coverage
- Unit-owner dwelling limit: is it walls-in, bare-walls-in, or full exterior?
- Construction type, foundation, year built, and retrofit status
- Loss assessment coverage for HOA special assessments
- Personal property and loss of use limits
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.