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Guide

Residential earthquake insurance (California)

A guide to residential earthquake insurance (california): what it covers, what it excludes, what actually goes wrong, what reduces it, and what an underwriter asks. Every statement cites a published source.

Under reviewReviewed August 31, 202610 sourcesReviewer: Brian Bollinger

Overview

What this line is, and who or what it is designed to protect.

Residential earthquake insurance is bought separately from the homeowners policy, because CDI states that homeowners, renters, and condominium insurance policies do not cover damage from natural disasters such as earthquakes, floods, and landslides [1][2]. In California, Insurance Code section 10081 provides that earthquake coverage may be provided in the residential property policy itself by specific policy provision or endorsement, or in a separate policy or certificate covering earthquake alone or in combination with other perils, and that no policy of residential property insurance may be issued or delivered or, with respect to policies in effect on the effective date of that chapter, initially renewed unless the named insured is offered earthquake coverage as provided in that chapter [3]. CDI states that California Earthquake Authority coverage cannot be bought directly from CEA, that it is bought from member insurance companies, that a residential property policy must be in place to get a CEA policy, and that the CEA policy must be purchased from the same company that carries the residential policy [1]. This page describes what the cited sources say; it is not a coverage determination and does not decide whether any particular property or policy qualifies.

  • Owners of homes with an in-force residential property policy at a CEA member insurer, since CDI states that a residential property policy must be in place to get a CEA earthquake policy [1]

  • The dwelling, at a CEA Coverage A and B limit that CEA states must be the same as the residential homeowners policy's Coverage A dwelling limit [6][1]

  • Personal property, at the limit selected from the published options [6][1]

  • The household's temporary and extra costs to live somewhere else, through additional living expenses coverage [1][6]

  • The owner facing code-required upgrades when rebuilding, through building code upgrade coverage [6][7]

  • Condominium unit owners facing an association assessment for covered earthquake damage, through CEA condo unit loss assessment coverage of up to $100,000 [1]

Link to this section

Evidence

Source ledger

Every numbered marker in this guide resolves to a record below. Each record lists the exact claims it supports, and each claim has its own address.

Source ledger

10 sources. Every citation number above resolves to a record below. Nothing here sits behind an account.

  1. [1]
    Earthquake Insurance (information guide, text version)(opens the original record on California Department of Insurance)
    California Department of InsuranceRegulatorPrimaryJurisdiction CALast checked August 31, 2026Updates: CDI revises this guide periodically and CEA limit and deductible options change by filing; re-verify each review cycleID cdi-earthquake-insurance-guide
    What this source supports (14)
    • If you have homeowners insurance in California, your company must offer to sell you earthquake insurance, and it must offer this every other year.
    • The offer must be in writing and must tell you the amounts it covers (the limits), the deductible, and the premium.
    • You have 30 days to accept the offer, the 30-day period starts the date the company mails the offer to you, and if you do not reply you are rejecting the offer.
    • Homeowners, renters, and condominium insurance policies do not cover damage from natural disasters such as earthquakes, floods, and landslides.
    • California law says that both homeowners and renters insurance must cover fire damage that is caused by or follows an earthquake.
    • You cannot buy earthquake insurance directly from CEA; you buy it from insurance companies that are members of CEA, you must have a residential property insurance policy in place in order to get a CEA earthquake policy, and you must purchase the CEA policy from the same insurance company that carries your residential policy.
    • CEA offers deductibles of 5 percent, 10 percent, 15 percent, 20 percent, and 25 percent, with two exceptions: if a home is valued at over $1 million dollars, and/or if the home was built before 1980 on a raised or other non-slab type foundation and is not verified to have been seismically retrofitted. In both these cases the lowest available deductible will be 15 percent.
    • For CEA Coverage A dwelling coverage, the limit on your earthquake insurance is the same as the limit on your homeowners insurance dwelling coverage.
    • For CEA Coverage C personal property, the limit starts at $5,000 and you can increase the limit to $25,000.
    • For CEA Coverage D additional living expenses, the limits range from $1,500 to $100,000, and this coverage never has a deductible under CEA.
    • CEA condo unit policies provide up to $100,000 for the unit owner's share of certain assessments if the association imposes an assessment for covered damage caused by an earthquake.
    • You may be able to buy building code upgrade coverage, now up to $30,000, and CEA homeowners policies include the first $1,500 for emergency repairs with no deductible.
    • As with most earthquake policies, CEA insurance does not cover landscaping, pools, fences, masonry, or separate buildings.
    • A few companies offer stand-alone policies that are not CEA policies and that can be bought without buying homeowners insurance from the same company.

    Published: 2024-04-25 Effective: not applicable; guidance page

    Active
  2. [2]
    Residential Insurance: Homeowners and Renters (information guide, text version)(opens the original record on California Department of Insurance)
    California Department of InsuranceRegulatorPrimaryJurisdiction CALast checked August 31, 2026Updates: revised periodically by CDI; the current text version carries the revision line Form 401 Revised January 2026, so compare that line against the live page each review cycleID cdi-residential-insurance-guide
    What this source supports (49)
    • The guide describes a homeowners policy in coverage parts: Coverage A Dwelling, Coverage B Other Structures, Coverage C Personal Property, Coverage D Loss of Use, Coverage E Personal Liability, and Coverage F Medical Payments to Others.
    • Coverage B Other Structures is normally limited to 10 percent of the Coverage A limit.
    • Coverage C provides protection for the contents of the home and other personal belongings owned by the insured and other family members who live with the insured, and additional amounts of insurance may be purchased.
    • The contents limit is generally around 50 percent of the dwelling amount, and the guide states that this is a guideline only.
    • Coverage D Loss of Use is normally limited to 20 percent of Coverage A.
    • Under the heading for what is typically covered by a homeowners policy if damage is caused by, the guide lists fourteen causes of loss: fire or lightning; windstorm or hail; explosion; riot or civil commotion; aircraft; vehicles; smoke; vandalism and malicious mischief; theft; volcanic eruption; falling objects; weight of ice, snow, sleet; sudden and accidental water damage; and breakage of glass.
    • The guide lists typical exclusions: flood; earthquake; earth movement; termites; insects, rats or mice; water damage caused by seepage or leaks; losses to a house vacant for 60 days or more; mold; wear and tear or maintenance; war; insurrection; tidal wave; neglect; and nuclear hazard.
    • The guide carries the instruction to read the exclusions in the insurance contract.
    • Coverage on certain types of property especially susceptible to loss is limited: jewelry, antiques, furs, collectibles, fine arts, firearms, silverware, and money.
    • The limited coverage amounts for specific types of personal property are not separate limits in addition to the contents limit; they are included in the overall contents limit and represent the maximum paid out for that specific type of personal property.
    • The guide defines the deductible as the amount of loss that the policyholder is responsible to pay up-front before covered benefits from the insurance company are payable.
    • The guide states that if the insured can afford to take a bit more of the risk, a larger deductible may significantly reduce the premium.
    • The guide states that an actual cash value policy will not completely replace the home, that a replacement cost policy improves the chances of being able to completely rebuild, that a policy cannot be sold as a guaranteed replacement cost policy unless it will pay to completely rebuild the home regardless of the coverage limit, and that other types of replacement cost policies will pay the policy limits plus a certain percentage above those limits.
    • For renters policies, the guide states that Coverage E Personal Liability is generally subject to a minimum of $100,000 and Coverage F Medical Payments to Others is generally subject to a minimum of $1,000.
    • The guide states that the landlord does not provide insurance for the tenant's personal property.
    • The guide identifies itself on the page as Form 401, Revised January 2026.
    • The guide lists the coverages of a homeowners policy as "Coverage A - Dwelling, Coverage B - Other Structures, Coverage C - Personal Property, Coverage D - Loss of Use, Coverage E - Personal Liability, Coverage F - Medical Payments to Others."
    • The guide describes Coverage D as follows: "This coverage will help with additional living expenses if your home is damaged by a peril insured against to the extent that you cannot live in your home. These expenses include, but are not limited to, housing, meals and warehouse storage. Coverage D is normally limited to 20 percent of Coverage A."
    • The guide states: "After a residential policy has been in effect for sixty days, the insurance company can only cancel a policy for reasons specified by law, which include; nonpayment of premium, fraud, material misrepresentation, or physical changes in the insured property that increase any hazard insured against."
    • The guide defines material misrepresentation as "A false statement given by an applicant of any important fact that had the insurance company known the truth, it would not have insured the risk."
    • The guide states: "The condominium association generally purchases insurance for the building structure and common areas, such as corridors and walls."
    • The guide states: "Like renters insurance, condominium unit-owners insurance provides coverage for personal property, loss of use, personal liability and medical payments to others. However, it also includes coverage for damages to the interior of the unit and improvements for which the unit owner is responsible to maintain in accordance with the governing rules of the condominium association."
    • The guide states: "Loss assessment may be an important coverage for you to consider, because it covers you for certain assessments that the condominium association makes as a result of a loss."
    • The dwelling limit should be the amount it would cost to replace your home, which may have nothing to do with the purchase price or the current market value.
    • Homeowners should base the limit on the cost of labor and materials necessary to rebuild the dwelling, not fluctuations in the real estate market.
    • Under an actual cash value settlement the recovery is reduced by a fair and reasonable deduction for physical depreciation, and with a replacement cost policy the chances that you will be able to completely rebuild your home are better.
    • Insurance coverage for losses resulting from floods is generally not provided in a homeowners or renters policy.
    • When an insurer writes your homeowners coverage in California, the insurer is legally obligated to offer you earthquake coverage for an additional premium.
    • What was previously called Extended Replacement Cost Coverage is now called Limited Replacement Cost Coverage.
    • The dwelling limit should be the amount it would cost to replace the home, and this may have nothing to do with the purchase price or the current market value of the home, as homeowners insurance does not generally cover the value of the land upon which the dwelling sits.
    • When determining the amount of coverage to purchase, consumers should consider the cost of labor and materials necessary to rebuild the dwelling, not fluctuations in the real estate market.
    • Insurance companies have their own formulas for evaluating replacement cost, and because those formulas are unique to each company, different insurers may suggest or require different limits of coverage for the same dwelling.
    • In a section summarizing key legislation, this guide describes Senate Bill 1855 (2004) as changing the use of the words Extended Replacement Cost Coverage in the California Residential Property Insurance Disclosure to Limited Replacement Cost Coverage. The page states this only as a description of that 2004 bill's effect on the wording of that disclosure; it does not state that Extended Replacement Cost Coverage is generally now called Limited Replacement Cost Coverage, and it gives no rationale specific to the change of words.
    • A policy cannot be sold as a guaranteed replacement cost policy unless it will pay to completely rebuild the home regardless of the coverage limit.
    • Unless the policy has building code upgrade coverage, the insurance company may not pay for changes needed to bring the structure up to current building codes.
    • CDI advises consumers to ask their agent, broker, or insurer whether they automatically review or increase limits on a regular basis, or whether they offer an automatic inflation guard option.
    • In its actual cash value discussion this guide uses the formulation the policy limit or the fair market value of the structure, whichever is less.
    • CDI describes a homeowners policy as divided into a property section with Coverage A dwelling, Coverage B other structures, Coverage C personal property and Coverage D loss of use, and a liability section with Coverage E personal liability and Coverage F medical payments to others.
    • CDI states that Coverage A provides major property coverage protecting the house and attached structures if damaged by a covered peril.
    • CDI states that Coverage B other structures is normally limited to 10 percent of the Coverage A limit, and that Coverage D loss of use is normally limited to 20 percent of Coverage A.
    • CDI states that certain personal property categories such as jewelry and firearms are subject to special limits that cap the amount paid.
    • CDI states that an actual cash value policy will not fully replace a destroyed home because it subtracts depreciation and pays either the repair cost less wear and tear or the policy limit, whichever is less.
    • CDI states that a policy cannot be sold as a guaranteed replacement cost policy unless it will pay to completely rebuild the home regardless of the coverage limit, and that other replacement cost variants pay the policy limits plus a certain percentage above those limits.
    • CDI warns that unless the policy has building code upgrade coverage, the insurance company may not pay for changes needed to bring the structure of the home up to current building codes.
    • CDI advises reviewing the dwelling limit initially and upon renewal, discussing any modifications to the home in writing with the agent, broker, or insurer, and contacting local general contractors to ask the current price per square foot for a home similar to your own.
    • CDI advises keeping an inventory of personal property listing all items owned, the dates purchased, and the price, and offers a free Home Inventory Guide.
    • CDI states that Coverage D reimburses housing, meals and warehouse storage when a covered loss makes the home uninhabitable, and advises keeping receipts for all additional living expenses and submitting them to the company for reimbursement consideration.
    • CDI warns that if you shop by comparing prices only and not by comparing coverage, you are doing yourself a disservice.
    • CDI notes that SB 1855 (2004) requires insurers to disclose, in the California Residential Property Insurance Disclosure and on the declarations page, that the cost to rebuild your home may be different from your homeowners policy limits, and that insurers must distribute the California Residential Property Insurance Bill of Rights every other year.

    Published: 2026-01 (the page carries the line Form 401 Revised January 2026) Effective: not stated on the page

    Active
  3. [3]
    California Insurance Code section 10081 (mandatory offer of earthquake coverage)(opens the original record on California Legislative Information (official))
    California Legislative Information (official)Primary lawPrimaryJurisdiction CALast checked August 31, 2026Updates: amended only by legislation; re-check leginfo annuallyID ca-ins-code-10081
    What this source supports (9)
    • No policy of residential property insurance may be issued or delivered or, with respect to policies in effect on the effective date of this chapter, initially renewed in this state by any insurer unless the named insured is offered coverage for loss or damage caused by the peril of earthquake as provided in this chapter.
    • The earthquake coverage may be provided in the residential property policy itself by specific policy provision or endorsement, or in a separate policy or certificate of insurance covering earthquake alone or in combination with other perils.
    • The section was added by Stats. 1984, Ch. 916, Sec. 1.
    • Section 10081 reads: 'No policy of residential property insurance may be issued or delivered or, with respect to policies in effect on the effective date of this chapter, initially renewed in this state by any insurer unless the named insured is offered coverage for loss or damage caused by the peril of earthquake as provided in this chapter.'
    • Section 10081 continues: 'That coverage may be provided in the policy of residential property insurance itself, either by specific policy provision or endorsement, or in a separate policy or certificate of insurance which specifically provides coverage for loss or damage caused by the peril of earthquake alone or in combination with other perils.'
    • The section sits in CHAPTER 8.5. Earthquake Insurance [10081 - 10089.4], added by Stats. 1984, Ch. 916, Sec. 1.
    • The 'initially renewed' clause in Section 10081 is qualified by the phrase 'with respect to policies in effect on the effective date of this chapter'; Section 10081 does not by its own terms impose an offer duty at every renewal.
    • California Insurance Code section 10081 provides that no policy of residential property insurance may be issued or delivered or, with respect to policies in effect on the effective date of the chapter, initially renewed in the state by any insurer unless the named insured is offered coverage for loss or damage caused by the peril of earthquake as provided in the chapter.
    • Section 10081 allows the earthquake offer to be satisfied by a provision or endorsement within the residential property insurance policy, or by a separate policy or certificate covering the peril of earthquake alone or together with other perils.

    Published: 1984 (added by Stats. 1984, Ch. 916, Sec. 1) Effective: not separately stated on the page beyond the 1984 enactment note

    Active
  4. [4]
    California Insurance Code Section 10083 (timing and prescribed language of the earthquake offer; every-other-year re-offer)(opens the original record on California Legislative Information (official))
    California Legislative Information (official)Primary lawPrimaryJurisdiction CALast checked August 31, 2026Updates: amended only by legislation; re-check leginfo annuallyID ca-ins-code-10083
    What this source supports (14)
    • The offer of earthquake coverage may be made prior to, concurrent with, or within 60 days following the issuance or renewal of a residential property insurance policy.
    • If the offer is not accepted, the insurer must offer earthquake coverage on an every other year basis in connection with any continuation, renewal, reinstatement, or policy that extends or replaces the residential property insurance policy.
    • The prescribed offer includes the statement that if the insured does not accept the offer of earthquake insurance within 30 days of the mailing of the notice, the insurance company shall presume that the insured has not accepted the offer.
    • The prescribed disclosures must be set in at least 10-point boldface type.
    • The prescribed disclosure states that the residential property insurance policy does not cover earthquake damage to the home or its contents.
    • The prescribed disclosure states that the deductible represents the amount of damage the covered property must incur before the earthquake insurance coverage begins.
    • The section became operative on January 1, 2019.
    • Section 10083(a) reads: 'The offer of coverage required by Section 10081 may be made prior to, concurrent with, or within 60 days following the issuance or renewal of a residential property insurance policy.'
    • Section 10083(a) continues: 'If the offer of coverage is mailed to the named insured or applicant, it shall be mailed to the mailing address shown on the policy of residential property insurance or on the application.'
    • Section 10083(a)(1) and (a)(2) prescribe the offer language for nonparticipating insurers and for participating insurers respectively, each requiring that the offer 'shall contain all of the following language in at least 10-point boldface type', and the prescribed language begins: 'Your residential property insurance policy does not cover earthquake damage to your home or its contents.'
    • The prescribed offer language includes fill-in items labeled '(A) Amount of Dwelling/Building Coverage Limit', '(B) Deductible', '(C) Contents Coverage Limit', '(D) Additional Living Expenses Coverage Limit', and '(E) Estimated Annual Premium'.
    • The prescribed offer language states: 'If you do not accept the offer of earthquake insurance below within 30 days of the mailing of this notice, your insurance company shall presume that you have not accepted this offer of earthquake insurance.'
    • Section 10083(b) reads: 'If the offer of earthquake coverage made pursuant to Section 10081 is not accepted, the insurer or any affiliated insurer shall be required on an every other year basis to offer earthquake coverage in connection with any continuation, renewal, or reinstatement of the policy following any lapse thereof, or with respect to any other policy that extends, changes, supersedes, or replaces the policy of residential property insurance.'
    • Section 10083(g) reads: 'This section shall become operative on January 1, 2019.' The section note reads 'Amended (as amended by Stats. 2014, Ch. 427, Sec. 2.5) by Stats. 2016, Ch. 549, Sec. 2. (AB 499) Effective January 1, 2017. Section operative January 1, 2019, by its own provisions.'

    Effective: 2019-01-01 (operative date stated on the page)

    Active
  5. [5]
    California Insurance Code section 10087 (chapter definition of a policy of residential property insurance)(opens the original record on California Legislative Information (official))
    California Legislative Information (official)Primary lawPrimaryJurisdiction CALast checked August 31, 2026Updates: amended only by legislation; re-check leginfo annuallyID ca-ins-code-10087
    What this source supports (6)
    • The definition in this section is scoped to the earthquake insurance chapter in which it sits and does not purport to define residential property insurance for any other purpose.
    • Within that chapter, a policy of residential property insurance means a policy insuring individually owned residential structures of not more than four dwelling units, individually owned condominium units, or individually owned mobilehomes, and their contents, located in this state and used exclusively for residential purposes, or a tenant's policy insuring personal contents of a residential unit located in this state.
    • The definition does not include insurance for real property or its contents used for any commercial, industrial, or business purpose, except a structure of not more than four dwelling units rented for individual residential purposes.
    • The definition does not include policies that do not provide the perils of a standard fire policy.
    • The definition excludes policies issued on or after January 1, 2022 providing coverage for fines, penalties, restitution, or losses arising from recovery residences or substance abuse treatment facilities, subject to a carve-out for certain not-for-profit resident-managed recovery residences.
    • Proof of first-class mailing creates a conclusive presumption of delivery, as does a signed receipt for hand delivery.

    Effective: not stated on the page as a single date; subdivision addressing recovery residences applies to policies issued on or after January 1, 2022

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  6. [6]
    Homeowners Coverages and Deductibles (CEA homeowners policy)(opens the original record on California Earthquake Authority)
    California Earthquake AuthorityCarrier officialPrimaryJurisdiction CALast checked August 31, 2026Updates: changes with CEA rate and form filings; verify limit and deductible options each review cycleID cea-homeowners-coverages-deductibles
    What this source supports (11)
    • CEA offers a Standard Homeowners policy under which all coverages fall under one deductible, and a Homeowners Choice policy that provides separate deductibles for dwelling and for personal property and allows the purchase of dwelling coverage only.
    • The deductible options are 5, 10, 15, 20, or 25 percent of the Coverage A and B limit.
    • The 5 percent and 10 percent deductible options are not available for homes with a Coverage A dwelling limit greater than $1,000,000, or for dwellings with frame construction built before 1980 that are not on a slab foundation and do not have a verified retrofit.
    • CEA Coverage A and B must be the same as the residential homeowners policy's Coverage A dwelling limit.
    • Coverage C personal property available limits are $5,000 or $25,000, with $500 included for damage to some breakable personal property.
    • Coverage D loss of use available limits are $1,500, $10,000, $15,000, $25,000, $50,000, $75,000, and $100,000, and loss of use carries no deductible under either policy type.
    • Building code upgrade coverage is $10,000 with purchasable options of $20,000 or $30,000, and is paid once the covered dwelling damage exceeds the Coverage A and B deductible.
    • There is no deductible on the first $1,500 of emergency repairs coverage, and amounts exceeding $1,500 require meeting the Coverage A and B or Coverage C deductible.
    • CEA states that exclusions and special limits apply and that all terms and conditions of CEA insurance coverage are found in the CEA insurance-policy form.
    • CEA lists the deductible choices for its homeowners policy as 5, 10, 15, 20, or 25 percent, expressed as a percentage of the Coverage A and B limit.
    • The page states: 'The 5% and 10% deductible options are not available for homes with Coverage A dwelling limit greater than $1,000,000, or dwellings with frame construction built before 1980 that are not on a slab foundation and do not have a verified retrofit.'

    Effective: not stated on the page

    Active
  7. [7]
    10 CCR section 2697.6, Earthquake Policies, Coverage Types and Limits (unofficial reproduction by Cornell LII)(opens the original record on Cornell Legal Information Institute, reproducing California Code of Regulations Title 10)
    Cornell Legal Information Institute, reproducing California Code of Regulations Title 10SecondarySecondaryJurisdiction CAThird-party reproductionLast checked August 31, 2026Updates: amended through California rulemaking; confirm against the official California Code of Regulations before republishingID ccr-10-2697-6
    What this source supports (4)
    • The reproduced regulation sets the Coverage A limit of insurance on the basic residential earthquake policy equal to the stated Coverage A limit of the underlying residential property insurance policy.
    • The reproduced regulation sets a personal property limit of no less than $5,000.
    • The reproduced regulation sets a loss of use limit of no less than $1,500, with no deductible.
    • The reproduced regulation sets building code upgrade coverage at no less than $10,000, subject to the Coverage A deductible.

    Effective: not stated on the reproduction

    ActiveReproduction
  8. [8]
    Dwelling - The California FAIR Plan (policy category listing)(opens the original record on California FAIR Plan Association)
    California FAIR Plan AssociationCarrier officialPrimaryJurisdiction CALast checked August 31, 2026Updates: changes with FAIR Plan form and program filingsID cfp-dwelling-policy
    What this source supports (19)
    • The California FAIR Plan Dwelling Fire Policy is a named peril policy, which provides coverage only for damage caused by the specific causes of loss listed in the policy.
    • The causes of loss shown on the page are fire and lightning, internal explosion, and smoke.
    • Optional coverages are available at an additional cost, such as coverage for vandalism and malicious mischief.
    • The FAIR Plan suggests that for more complete property coverage the reader consider purchasing Difference in Conditions, Flood, or Earthquake policies to supplement a California FAIR Plan policy by covering additional perils.
    • The page states that the California FAIR Plan Dwelling Fire Policy is a named peril policy, which provides coverage only for damage caused by the specific causes of loss listed in the policy.
    • The page lists Fire and Lightning, Internal Explosion, and Smoke as the covered perils shown.
    • The page states that optional coverages are available at an additional cost, such as coverage for vandalism and malicious mischief.
    • The page advises considering Difference in Conditions, Flood, or Earthquake policies to supplement a California FAIR Plan policy by covering additional perils.
    • The page describes the California FAIR Plan as an insurer of last resort, established by statute to provide basic property insurance to Californians statewide when no other option is reasonably available, and describes the dwelling policy as a temporary solution.
    • The California FAIR Plan's dwelling page lists a category labeled "Owner-Occupied", described as "1-4 unit dwellings in which the owner lives in one or more unit."
    • The same page lists a category labeled "Rentals", described as "1-4 unit dwellings that are rented to a tenant for at least one year."
    • The same page lists a category labeled "Seasonal Rental", described as "Dwellings that are rented (in whole or part) for less than one year."
    • The same page lists a category labeled "Condominium Unit Owners", described as "Personal property and improvements coverage for a condominium unit owner", separate from its owner-occupied and rental dwelling categories.
    • The same page lists a category labeled "Renters", described as "Personal property coverage for the tenant of an apartment or single/multi-unit dwelling."
    • The California FAIR Plan Dwelling page lists covered perils including Fire and Lightning, Internal Explosion, and Smoke.
    • The California FAIR Plan Dwelling page states that optional coverages are available at an additional cost, such as coverage for vandalism and malicious mischief.
    • The California FAIR Plan Dwelling page states that for more complete property coverage the reader should consider purchasing Difference in Conditions, Flood, or Earthquake policies to supplement a California FAIR Plan policy.
    • The California FAIR Plan Dwelling page states that if you are unable to purchase coverage with a traditional insurance company, the California FAIR Plan offers a temporary solution for the occupancy types it lists.
    • The California FAIR Plan Dwelling page does not list liability, theft, or water damage among the covered perils, and states no maximum dwelling limit.

    Effective: not stated on the page

    Active
  9. [9]
    Renter's Insurance (consumer guidance)(opens the original record on New York State Department of Financial Services)
    New York State Department of Financial ServicesRegulatorPrimaryJurisdiction NYLast checked August 31, 2026Updates: NY DFS revises consumer pages periodicallyID nydfs-renters-insurance
    What this source supports (5)
    • A landlord does not provide insurance for a tenant's personal property.
    • An exception to this can occur if the landlord was aware of a prior hazardous condition, failed to correct it in a reasonable time frame, and as a result the tenant's property was damaged.
    • Renter's insurance is described in coverage parts including personal property, loss of use, personal liability, and medical payments to others.
    • The covered causes of loss the page lists include fire, smoke, theft, vandalism, windstorm, hail, lightning, explosion, falling objects, weight of snow, ice and sleet, and water damage from plumbing or appliance failure.
    • Liability protection is described as covering injuries that others sustain while at the tenant's home, including medical expenses and any resulting lawsuits, and damage to other people's property.

    Effective: not stated on the page

    Active
  10. [10]
    Eligibility | National Flood Insurance Program(opens the original record on FEMA, National Flood Insurance Program (FloodSmart))
    FEMA, National Flood Insurance Program (FloodSmart)RegulatorPrimaryJurisdiction USLast checked August 31, 2026Updates: FEMA updates NFIP program pages periodicallyID fema-nfip-eligibility
    What this source supports (5)
    • Most homeowners insurance does not cover flood damage, and it will not fulfill the mortgage or federal disaster assistance requirements for flood insurance.
    • You can get flood insurance from the National Flood Insurance Program if your city or town participates in the NFIP's floodplain management requirements.
    • You are required to have flood insurance if you own a home or business in a Special Flood Hazard Area and have a government-backed mortgage.
    • Some banks require flood insurance even if you do not live in a high-risk area, and the page tells readers to ask their mortgage lender about its flood insurance terms.
    • If a property has received federal disaster assistance before, flood insurance must be maintained to qualify for future disaster assistance, including FEMA disaster grants and Small Business Administration disaster loans.

    Effective: not stated on the page

    Active
Go deeper

Questions and worked examples on this line

Does homeowners insurance cover earthquake damage in California?

Question

What does a lender insurance requirement actually prove?

Question

Reading the CEA's own deductible page and policy form to see why an earthquake retention is set by a limit on a different policy

carrier authored