Residential Earthquake-Universal North America

Residential Earthquake-Universal North America

Personal Products

Residential Earthquake-Universal North America

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Product Info

In California, our Residential Earthquake Insurance Program through carrier Universal offers two levels of policy coverage for homeowners – Superior and Standard – along with condo coverage. View the downloadable flyer for details. Your clients will love the money-saving deductible options at 10 or 15 percent and easy pay options; you’ll enjoy ease of quoting via our online portal and 10 percent commission on new and renewal policies.

Universal North America Insurance Company


Coverage Highlights

  • Dwellings: $100,000 min to $5 million max dwelling replacement limit (except LA County – max is $2.5 million)
  • 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 built 1937-1954 must have proof of retrofitting
  • Dwellings built 1955-1972 must be properly anchor bolted to the foundation and cripple walls must be braced with plywood or its equivalent
  • Must be an individually owned single family or duplex structure.
  • 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

This product is available on Arrowhead Exchange.

Arrowhead Exchange is our secure online portal where producers can quote and submit new business and service existing policies. This easy-to-use online platform helps streamline new business and post-sale tasks.

Learn more about the benefits of Arrowhead Exchange.

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