Personal Products

Residential Earthquake California-QBE

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 $5 million maximum replacement limit (except LA County, where the maximum is $3 million).



Coverage Highlights

  • Dwellings: $75,000 minimum to $5 million maximum (Except LA County; maximum is $3 million) dwelling replacement limit
  • Condominiums: $25,000 min to $500,000 max contents limit

Superior EQ Plus Endorsement

  • Increases sublimits for swimming pools
  • Increases Loss of Use up to $100,000

Target Market

Newer structures or those that have been retrofitted and built on flat or gently sloping lots with slab or raised concrete foundations.

  • Dwellings any age acceptable provided homes built prior to 1955 have proof of retrofitting; condos must be built in or after 1960
  • Dwellings built prior to 1972 must be properly anchor bolted to the foundation and cripple walls must be braced with plywood or its equivalent
  • Residence types must be individually owned 1-4 family dwellings except for the condominium program
  • Dwelling must be made of frame construction
  • Coverage amount must be equal to the underlying dwelling limit
  • All pre-existing earthquake structural damage must be repaired prior to writing coverage

How to quote

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