Residential Earthquake California-QBE
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” (XV) 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)
- 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.
- 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
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