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Personal Products

Residential Earthquake California-QBE

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Product Info

In California, QBE’s residential earthquake program offers two levels of policies for homeowners, plus a condo earthquake policy. Please view the downloadable flyer for details. QBE is an admitted “A” (XIV) rated carrier by A.M. Best

Dwelling coverage is available for $75,000 minimum to $15 million maximum replacement limit (Risks with dwelling coverages over $5M must be submitted for prior approval)

QBE

CA

Coverage Highlights

  • Dwellings: $75,000 minimum with coverages up to $15 million dwelling (risks over $5 million must be submitted to the carrier for approval).
  • Condominiums: $25,000 minimum to $1,000,000 maximum contents limit.
  • Swimming pools are covered under the Other Structures limit with no sublimit
  • Loss of use coverage provided up to 20% of the dwelling limit with a maximum of $100,000 on the Superior EQ Policy.
    • An optional “Plus” Endorsement is available for the Superior EQ Plus Policy, increasing the maximum coverage limit for loss of use to 20% of the dwelling limit with no maximum.

Target Market

  • Dwellings and condos any age is acceptable for coverage
  • No retrofit requirement or slope restrictions
  • Residence types must be individual owned 1-4 family dwellings except for the condominium program
  • Acceptable construction types include wood frame, steel, masonry veneer, reinforced concrete and reinforced masonry.
  • Coverage amount must be equal or greater to the underlying homeowners dwelling coverage limit.
  • All pre-existing earthquake structural damage must be repaired prior to writing coverage.

How to quote

This product is available on Arrowhead Exchange.

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