Personal Products

Residential Earthquake-Zurich

Product Info

In California, our Residential Earthquake Program through carrier Zurich offers two levels of policy coverage: Superior and Standard. View the downloadable flyer for details. Your clients will love  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.

Zurich American Insurance Company is an admitted, “A+” (XV) rated carrier by A.M. Best.

Zurich American Insurance Company


Coverage Highlights

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

An optional “Plus” Endorsement can be added to the Superior EQ Policy, increasing maximum coverage for:

  • Loss of use cap from $25,000 to $100,000 max
  • Sub-limit for swimming pool from $3,000 to $25,000

Target Market

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

How to quote

This Zurich product can be rated, quoted and bound online at Arrowhead Exchange.

Not yet appointed with Arrowhead? Start here.

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