Condominium unit owners
Everything BestInsurance Research holds on condominium unit owners: 76 cited checks, 1 answered questions, 0 worked examples and 50 source records carrying 385 recorded claims. Free to read, no account, nothing to fill in.
76 checks that bear on this line
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Residential Property Position
A dwelling limit is recorded but no written replacement cost estimate is held.
California's standards for estimates of replacement value require a licensee's estimate to account for the cost of labor, building materials and supplies, overhead and profit, demolition and debris removal, and permits and architect's plans, and to reflect the reconstruction of a single property rather than bulk or tract construction, with a copy delivered to the applicant or insured. Without that document in hand there is nothing to compare your recorded limit against.
The recorded dwelling limit is lower than the replacement cost estimate you recorded.
The loss settlement condition in the standard homeowners special form is written as an arithmetic comparison between the amount of insurance on the damaged building and the full replacement cost of that building immediately before the loss, and it describes a different measure once the amount of insurance falls under 80 percent of that figure. You have entered two numbers that do not match, which is a question for the person who set the limit.
The replacement cost estimate you hold is dated more than a year before today.
The replacement value standards require a licensee to verify at least annually that the sources and methods behind its estimates remain current with changes in labor and material costs, and to deliver any updated estimate. Your recorded estimate date is more than one year old.
The dwelling loss settlement basis is recorded as actual cash value rather than replacement cost.
Actual cash value and replacement cost are two different measures of indemnity, and the actual cash value measure accounts for depreciation while the replacement cost measure does not. Consumer guides also warn that neither figure is the same as the market value of the home.
The dwelling loss settlement basis has not been recorded from the declarations page.
The loss settlement basis is stated on the policy itself, and California requires a residential property insurance disclosure statement to accompany the policy so the insured can see how the structure is valued. Nothing else in this position can be checked against a basis you have not read.
A replacement cost basis is recorded with no extended or guaranteed replacement cost endorsement above the dwelling limit.
The form's loss settlement condition states its own ceiling as the limit of liability that applies to the building, so a replacement cost basis does not by itself reach above the dwelling limit you recorded. Extended and guaranteed replacement cost are described in consumer guides as separate additions that sit above the stated dwelling limit, and they are not the same thing as the replacement cost basis itself.
An extended replacement cost endorsement is recorded but its percentage is blank.
An extended replacement cost endorsement works by stating a specific percentage above the dwelling limit, so without that number the top of the recorded position cannot be worked out at all.
No building code or ordinance upgrade amount has been recorded.
The replacement value standards treat the cost of permits and architect's plans and the cost of demolition and debris removal as components of a replacement value estimate, and code upgrade cost is commonly handled by a separate stated amount rather than by the dwelling limit itself.
The finished living area has not been recorded.
Square footage is one of the structural inputs a residential replacement value estimate is required to take into account, alongside foundation type, framing, roofing material, siding, number of stories, and interior finishes.
The roof covering is recorded in the band over 25 years old.
Roofing material is one of the structural features a replacement value estimate has to account for, and roof age and covering are standard items on the residential underwriting information an insurer asks about. This module does not judge the roof; it flags that you are carrying an input the insurer will ask about and that you have not settled.
No permit, invoice, or contractor record is held for the most recent roof work.
Roof age and roofing material are inputs both to residential underwriting information and to a replacement value estimate. A document you can produce on request is worth more than a remembered date, and consumer claim guidance rests on records the homeowner keeps.
The roof covering is recorded as wood shake or wood shingle.
Roofing material is an explicit input to a residential replacement value estimate, so the material affects the figure your dwelling limit is supposed to reflect. It is also a specific item on the property information insurers gather.
Knob and tube wiring is recorded as present in the home.
Systems information of this kind is part of the residential property information an insurer collects and part of what a replacement value estimate reflects through interior finish and system assumptions. Recording it now means you raise it rather than have it surface later.
Aluminum branch circuit wiring is recorded as present in the home.
Like other system details, this belongs on the residential property information you give an insurer, and it bears on what a replacement value estimate assumed about the interior.
The years since the electrical update exceed the age of the home as you recorded it.
You recorded a construction era of 2010 or later, and you recorded more years since the electrical was updated than the home has existed. One of the two entries is wrong, and age of structure is a required input to a replacement value estimate.
The years since the heating or cooling update exceed the age of the home as you recorded it.
You recorded a construction era of 2010 or later, and you recorded more years since the heating or cooling system was updated than the home has existed. One of the two entries is wrong, and age of structure is a required input to a replacement value estimate.
More than 40 years are recorded since the supply plumbing was updated.
Systems update information is part of the residential property information insurers collect, and consumer guidance points out that most homeowners forms treat water damage differently depending on its source, which makes the plumbing question worth asking before a loss rather than after.
No flood coverage is recorded, and flood is bought separately from the homeowners policy.
Flood is sold as its own policy rather than as part of the homeowners policy: state consumer guidance points a homeowner who wants flood coverage to a purchase through the National Flood Insurance Program, and the program's own eligibility page states that you can get flood insurance from the National Flood Insurance Program if your city or town participates in the NFIP's floodplain management requirements. That purchase is written on a separate form, the Standard Flood Insurance Policy Dwelling Form, with its own coverages and its own limits. The homeowners form is a different document, so its declarations page is not where the presence or absence of a flood policy is recorded. This module does not read either form, and says nothing about how any policy would respond to a loss.
A mortgage and a high risk flood zone are recorded with no flood coverage in force.
The federal statute directs regulated lending institutions not to make, increase, extend, or renew any loan secured by improved real estate located in an area identified as having special flood hazards and in which flood insurance has been made available, unless the building is covered for the term of the loan by flood insurance in a stated amount, and loan program guidelines set out their own property insurance requirements for one to four unit properties. Whether that statute and those guidelines reach your loan, your property, and your zone determination is a reading of the statute and of your own loan documents, and this module does not make it.
The date you need flood coverage in force falls inside the standard flood policy waiting period, and no flood policy is recorded as in force.
The effective date and time of coverage under the Standard Flood Insurance Policy is governed by a rule that imposes a waiting period before new coverage takes effect, with only limited exceptions. Your recorded date is within the next 30 days, and you have not recorded a flood policy in force. If one is in force and simply not recorded here, record it; the waiting period applies to new coverage.
No earthquake coverage is recorded on a California home, and earthquake is bought separately.
California law bars issuing or delivering, or initially renewing, a policy of residential property insurance in this state unless the named insured is offered coverage for loss or damage caused by the peril of earthquake, and the section states that the 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. The notice language the statute prescribes directs the insured to purchase a separate earthquake insurance policy, so earthquake sits on its own document with its own limits and its own percentage deductible: the CEA homeowners page describes dwelling, personal property, and loss of use choices with deductibles of 5%, 10%, 15%, 20%, or 25%, and the department's guide describes the written offer as stating the limits and the deductible. This module does not read your own form and says nothing about how any policy would respond to a loss.
An earthquake coverage offer is dated inside the last 30 days and no earthquake coverage is recorded.
The statutory offer language states that if the offer is not accepted within 30 days of the mailing of the notice, the insurance company shall presume it was not accepted. Your recorded notice date is within the last 30 days, so the stated window has not closed yet. The same section requires a further offer on an every other year basis if this one is not accepted.
The earthquake deductible is recorded as a percentage, so the dollar retention has not been worked out.
Earthquake deductibles on residential policies are stated as a percentage rather than a flat dollar amount, and the regulation on earthquake policy coverage types and limits and the published policy form both describe the deductible in those terms. A percentage moves with the limit it applies to, so the dollar figure changes every time the limit does.
A separate percentage deductible applies and its dollar amount has not been worked out.
A percentage deductible is not comparable to the flat deductible on the same declarations page, because the percentage is applied against a limit and the flat amount is not. Consumer guides treat the deductible as one of the terms a homeowner should read for themselves rather than assume.
Valuables are scheduled but no appraisal supports them.
Homeowners forms provide only limited amounts for categories such as furs, jewelry, and silverware, which is why these items get scheduled separately. Consumer guidance also warns that a written list on its own may not be accepted as proof that an item existed.
The newest appraisal behind the scheduled valuables is recorded as 8 years old or older.
Scheduled items carry their own stated limits, and consumer guides note that values move over time and that the amounts on the schedule need periodic review rather than being set once.
Scheduled valuables are recorded as existing but no categories are selected.
You answered that items are scheduled individually and then left the category list empty, so this position records a schedule with nothing on it and cannot be checked against anything.
No household inventory is held outside the home.
Consumer guidance is explicit that a written list may not by itself be acceptable proof to an insurance company that an item existed, which is why photographs and receipts matter and why the record should not live in the building it documents.
The home is recorded as tenant occupied while the position is being assembled around a homeowners form.
A homeowners form is written around the named insured's own residence, while a property rented to others is written on a different kind of form with a different structure for the building, the loss of rent, and the liability.
The home is recorded as rented out for short stays.
Short stay renting is a use of the residence that the policy form addresses in its own terms, and it is not the same as either owner occupancy or a conventional lease.
The home is recorded as vacant or unoccupied.
Occupancy is a stated condition of the residential form, and change in occupancy is one of the things the form's own conditions ask the insured to address. Occupancy is also standard residential property information an insurer collects.
The residence is a unit in a larger building and no current association master policy declarations are held.
A unit owners form and an association master policy divide one building between two policies, and the unit owners form is written on that assumption. Until you have read the master policy declarations you cannot see which portions of the unit your own limit is meant to answer for.
A mortgage is in force while the dwelling settlement basis is recorded as actual cash value.
Loan program guidelines set out property insurance requirements for one to four unit properties, including how the required coverage amount is determined, and actual cash value and replacement cost are different measures of indemnity. You have not recorded what your own loan documents require.
Whether flood coverage is in force has not been recorded.
Flood is a separate purchase from the homeowners policy, on a separate form, so its presence or absence is not something the homeowners declarations page answers. An unrecorded answer here leaves the largest single question in this module unanswered.
California Earthquake Coverage
You recorded a CEA earthquake policy in force and no residential property policy in force, and the CEA program condition is that the earthquake policy sits alongside a residential policy from a participating insurer.
CEA publishes the condition that its earthquake policy is written for Californians whose home is insured by one of the residential insurance companies participating in CEA, on both the homeowners and the mobilehome pages. The California Earthquake Authority was created by statute as a program operating through participating insurers rather than as a direct-writing insurer. The two answers you recorded cannot both be current, so one of them is out of date or is describing something other than what you think.
You recorded a CEA earthquake policy alongside a residential policy whose CEA participation you have not confirmed, so the link between the two policies is undocumented in your own file.
The CEA program condition ties its earthquake policy to a residential policy written by a participating insurer. CEA publishes the list of participating companies, and the state insurance regulator publishes company profile information you can check independently. Which company is on your residential declarations page is a fact you can verify today rather than assume.
You recorded more than two years since the most recent written earthquake offer you can account for, and the statute sets the re-offer duty on an every other year basis.
California Insurance Code section 10081 requires an insurer that writes residential property insurance in the state to offer earthquake coverage to the insured, and section 10083 sets the timing, including that the offer be provided on an every other year basis where a previous offer was not accepted. The state insurance regulator's consumer guide states the same duty in plain terms. Your entry places the last accounted-for offer outside that cycle, which is either a record-keeping gap on your side or a missed notice.
You hold a residential property policy and recorded that no written earthquake offer has reached you, so the notice the statute describes is not in your file.
Section 10081 places the offer duty on the insurer writing residential property insurance in California, section 10082 governs what the offer must contain, and section 10083 provides that the offer may be made prior to, concurrent with, or within 60 days following the issuance or renewal of the residential policy. Section 10087 defines the residential property policies the chapter reaches, including policies on individually owned structures of not more than four dwelling units, individually owned condominium units, individually owned mobilehomes, and tenant contents policies.
You recorded receiving a written earthquake offer and sending nothing back, and the notice itself sets a 30 day window after which silence is treated as non-acceptance.
Section 10083 prescribes notice language stating that if the offer of earthquake insurance is not accepted within 30 days of the mailing of the notice, the insurance company shall presume it was not accepted. The regulator's guide describes the same 30 day presumption. Doing nothing is therefore a decision that has already been recorded against you, not a decision still pending.
You recorded receiving a written earthquake offer but no date for it, and both statutory clocks in this area run off dates.
Section 10083 ties the offer to a 60 day window around issuance or renewal, sets the 30 day non-acceptance presumption from the mailing of the notice, and sets the re-offer duty on an every other year basis. Without the notice date you cannot tell which of those three clocks you are inside.
You hold a residential property policy but have not recorded its issuance or renewal date, which is the date the offer window is measured from.
Section 10083 provides that the offer 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. The window is defined by that date, so without it you cannot tell whether an offer is late or simply not yet due.
You recorded a CEA policy and recorded your understanding that the deductible percentage applies to the Coverage A dwelling limit alone, while the policy form applies it to the Coverage A and Coverage B limits combined.
The CEA basic earthquake policy for homeowners provides that no payment is made for property loss until loss to property covered under Coverage A Dwelling or Coverage B Extensions to Dwelling exceeds the deductible shown on the declarations, and the published coverage page states the percentage options apply to the combined Coverage A and B limit. A combined base produces a larger retained dollar amount than a Coverage A only base at the same percentage, so the figure you have in mind is smaller than the figure the form produces.
You recorded a CEA policy and your understanding that the deductible percentage is taken against the amount of the loss, while the CEA homeowners form measures it against the limits of insurance shown on the declarations.
The CEA homeowners form measures the deductible against the amount shown on the declarations, which is set as a percentage of the Coverage A and Coverage B combined limit of insurance rather than as a share of whatever the loss turns out to be. On that basis the retained amount does not shrink when the loss is small, which is the opposite of what a percentage of loss would do. If your CEA policy is the mobilehome and manufactured home policy, that is a separate policy from the homeowners one and its own declarations page and form are what state its deductible basis.
You recorded a CEA policy and a deductible percentage but not the Coverage B limit, which is one of the two limits the CEA homeowners form applies the percentage to.
CEA's published coverage page and the CEA homeowners form both apply the deductible percentage to the Coverage A and Coverage B limits combined, and the form conditions payment on loss under Coverage A or Coverage B exceeding that amount. With only one of the two limits recorded, that combined figure cannot be worked out from what you have entered. If your CEA policy is the mobilehome and manufactured home policy, that is a separate policy with its own declarations page and its own stated deductible choices.
You recorded earthquake coverage in force without recording the Coverage A dwelling limit, which is the figure the whole structure of the policy is built on.
The Coverage A limit sets the base of the deductible calculation and is the reference point for the extensions to dwelling limit. California regulation sets standards for how a replacement value estimate supporting a dwelling limit is prepared, which is a separate question from what the market value of the home is.
You recorded that you picture earthquake coverage paying for water coming into the home from outside, including tsunami, and recorded no flood policy in force.
The state insurance regulator's earthquake guide describes earthquake policies as excluding water damage from outside the home, such as sewer or drain back-up, flood, or tsunami. Flood is written under a separate program with its own eligibility, forms and coverage types. The expectation you recorded and the coverage you recorded are therefore about two different products, and you have recorded only one of them.
You recorded that you picture earthquake coverage paying for damage to the land itself or for a slope giving way, and the published guidance describes land as sitting outside these policies.
The regulator's earthquake guide states that earthquake policies do not cover damage to your land, such as sinkholes from erosion or other hidden openings under the land. The CEA homeowners form is written around Coverage A dwelling and Coverage B extensions to dwelling rather than around the ground they stand on. Nothing you have recorded addresses the land, so the expectation is currently unmatched.
You recorded that you picture earthquake coverage paying for fire that starts because of the earthquake, and the published guidance describes that as a duty of the residential policy rather than of the earthquake policy.
The regulator's earthquake guide states that California law requires both homeowners and renters insurance to cover fire damage that is caused by or follows an earthquake, whether or not separate earthquake coverage is held. On the arrangement the guide describes, shake damage and fire following the shake are addressed by two different policies, and the standard homeowners forms treat the two perils in separate provisions. Which of your policies carries which duty is a question with a written answer.
You recorded a condominium or townhome unit and that you picture an association assessment being paid, but recorded no loss assessment limit of your own.
The regulator's earthquake guide describes condominium owners as able to buy coverage for their belongings and loss of use plus assessment protection, described in the guide up to a stated maximum. The unit owners form and the association's governing documents allocate damage between the unit and the shared building, and an assessment is what reaches you when the shared side is short. You have recorded the exposure and no corresponding limit.
You recorded a unit in a common interest development and that you do not know whether the association's master policy includes earthquake coverage on the shared building.
Whether the shared structure carries earthquake coverage determines what an assessment after a shaking event would be for, and it is a document you are entitled to look at rather than a matter of opinion. The unit owners form is written to sit against whatever the association carries, so the two have to be read together.
You recorded that you rent your home and that no earthquake coverage of your own is in force, while the statute treats a tenant contents policy as a residential property policy that the offer duty reaches.
Section 10087 includes a tenant's policy insuring the personal contents of a residential unit within the residential property policies this chapter reaches, so the offer duty in section 10081 is not limited to owners. The regulator's guide describes renters earthquake coverage as addressing damage to belongings and the cost of living somewhere else while the rented home is repaired. Your belongings and your displacement costs are recorded here with nothing of your own set against them.
You recorded that someone else lives in the property and that the residential policy is written on an owner-occupied homeowners form.
The owner-occupied homeowners form and the landlord or dwelling form are built around different occupancy facts, and the regulator's residential guide sets them out as different products. Because the earthquake coverage is written against the residential policy, an occupancy mismatch on the residential side is a question that reaches the earthquake side too. What was disclosed about occupancy is a matter of record with your insurer, not a matter of interpretation.
You recorded that retrofit work has been done and that you hold none of the documents that evidence it.
The state retrofit program treats a completed retrofit as something evidenced by paper, requiring a building permit dated after program acceptance and an image of the signed building permit after the retrofit is complete and signed off, uploaded with post-retrofit photographs for review and approval. CEA's published deductible page refers to a verified retrofit as a distinct condition from work having been done. Work you cannot evidence is, on paper, work that has not been recorded.
You recorded a pre-1980 construction era and a raised foundation with a crawlspace or cripple wall, and the published deductible page names construction era, foundation type and whether a retrofit is verified as conditions it applies.
CEA's published coverage and deductible page ties the deductible percentages it shows to the size of the Coverage A limit, to frame construction built before 1980 that is not on a slab foundation, and to whether there is a verified retrofit. A state program exists for this specific retrofit type and defines what documentation evidences it. Which of those published conditions your own structure falls under is a determination for the program and the insurer, made from your declarations and your documents, not from these answers.
You recorded a mobilehome or manufactured home, which the statute and the program both treat as its own category rather than as a variation of a house.
Section 10087 lists individually owned mobilehomes separately within the residential property policies the offer duty reaches. CEA publishes a separate mobilehome and manufactured home earthquake policy, distinct from the homeowners policy, and lists mobilehome, personal property and loss of use as its coverages, with no deductible for the first $1,500 of emergency repairs. The bracing or support system under the home is a described feature of this category rather than an afterthought.
You recorded a written lender or servicer requirement for earthquake coverage and no earthquake coverage in force.
A servicer's written insurance requirement and its force-placed process are governed by federal servicing rules and by your own loan documents, and force-placed coverage is charged to the borrower rather than chosen by them. The two things you have recorded cannot both stand: either the requirement has been satisfied by something you have not recorded here, or it is open.
You recorded being told a lender requires earthquake coverage but not having it in writing.
What a servicer requires, and what it may charge you for if you do not carry it, is governed by written rules and written loan documents rather than by a phone call. Until the requirement is in writing you cannot compare it against what any policy would actually provide.
You recorded no earthquake coverage in force and that you do not recall ever receiving the written offer, so the decision has been made by default rather than on the record.
Section 10081 places the offer duty on the insurer and section 10083 provides that silence for 30 days after the mailing of the notice is presumed to be non-acceptance. Section 10089 sets minimum terms for the coverage that must be offered, including a deductible of not more than 15 percent of the dwelling coverage, contents of not less than $5,000, and loss of use of not less than $1,500. Knowing those minimums is what lets you tell an offer from a brochure.
You recorded that you are not sure whether earthquake coverage is in force, which is a fact your own declarations page settles.
Earthquake coverage in California can appear as a separate policy or as an endorsement to the residential policy, and the two look different on paper. Where the coverage is a CEA policy it is a separate policy with its own declarations page sitting alongside the residential one.
Community Association Statutory Position
General liability is below the amount that routes owner tort claims away from individual owners.
Section 5805(b)(2)(B) requires at least three million dollars ($3,000,000) of general liability coverage where the development consists of more than 100 separate interests, and only where that is carried is a tort cause of action brought solely by virtue of an owner's tenancy-in-common interest in the common area brought against the association rather than against the individual owners. This is the check most often passed by mistake: an association carrying one million dollars satisfies the general liability leg of the volunteer director protection in section 5800 and is still short of section 5805 by two million.
General liability is below the amount section 5805 requires for a development of this size.
Section 5805(b)(2)(A) requires at least two million dollars ($2,000,000) of general liability coverage where the development consists of 100 or fewer separate interests. Below that figure the redirection of owner tort claims to the association does not apply, and an owner can be sued directly by virtue of their tenancy-in-common interest in the common area.
Directors and officers cover is below the amount that caps a volunteer's personal liability.
Section 5800(a)(4)(B) requires at least one million dollars ($1,000,000) of both general liability and individual director and officer coverage where the development consists of more than 100 separate interests. The protection is a ceiling rather than an immunity: a qualifying volunteer is not personally liable in excess of the coverage carried, so the limit purchased is the limit of the personal protection, and a shortfall is personal exposure for the people serving on the board.
Directors and officers cover is below the section 5800 threshold for a development of this size.
Section 5800(a)(4)(A) requires at least five hundred thousand dollars ($500,000) of both general liability and individual director and officer coverage where the development consists of 100 or fewer separate interests. The coverage must have been in effect both at the time the act or omission occurred and at the time a claim is made, so a gap in the past is not cured by buying cover now.
Crime or fidelity coverage is below the amount the statute computes.
Section 5806 sets the required amount at an amount equal to or more than the combined amount of the reserves of the association and total assessments for three months, unless the governing documents require greater coverage. The figures recorded here put the coverage below that sum. Because the requirement floats with reserves rather than being a fixed figure, an amount that complied when the policy was placed falls out of compliance as reserves are funded, with nothing about the policy having changed.
Computer and funds transfer fraud is covered for less than the crime coverage.
Section 5806 requires the coverage maintained by the association to include protection in an equal amount against computer fraud and funds transfer fraud. Equal is the operative word: a crime form that answers employee dishonesty at one figure and fraudulent transfer instructions at a lower one does not meet the section, and the lower figure is usually the one that matters, because the modern loss is a transfer rather than a theft of cash.
The crime and fidelity requirement is recorded as met by self-insurance.
Section 5806 states expressly that self-insurance does not meet the requirements of the section. A reserve set aside for the purpose, however well funded, does not discharge the duty, and it also fails for the obvious structural reason that the fund and the exposure are the same money.
A management company is used and is not inside the crime coverage.
Where the association uses a managing agent or management company, section 5806 requires the association's crime, employee dishonesty or fidelity bond coverage to additionally include coverage for, or otherwise be endorsed to provide coverage for, dishonest acts by that person or entity and its employees. This is the part of the section most often left undone, and it excludes exactly the party with routine access to the funds.
Whether the management company is inside the crime coverage has not been established.
Section 5806 makes this a requirement rather than an option where a managing agent or management company is used, so whether it has been done is a matter of record and not of judgement. It is answered by reading the policy or the endorsement, and it is worth answering before a loss rather than after one.
The exterior elevated element inspection is more than nine years old.
Section 5551(b)(1) requires the inspection to be performed by a licensed structural engineer or architect at least once every nine years. The elements in scope are load-bearing components with a walking surface elevated more than six feet above ground level that are supported in whole or substantial part by wood or wood-based products, together with their associated waterproofing system.
The development has exterior elevated elements and no inspection is recorded.
Section 5551(i) required the first inspection to be completed by January 1, 2025, and section 5551(b)(1) requires it to be repeated at least once every nine years thereafter. For a building whose certificate of occupancy was issued after those provisions applied, section 5551(k) requires the inspection no later than six years following issuance of that certificate.
An element was reported as an immediate threat and access has not been prevented.
Where the inspector advises that an exterior elevated element poses an immediate threat to the safety of the occupants, section 5551(g)(1) requires the association to take preventive measures immediately, including preventing occupant access to the element until repairs have been inspected and approved. The same provision requires the inspector to give the report to the association immediately and to the local code enforcement agency within 15 days.
The annual budget report insurance summary is missing some of the four required details.
Section 5300(b)(9) requires the summary to include, for each policy, the name of the insurer, the type of insurance, the policy limit, and the amount of the deductible if any. What the summary describes also sets the reach of the lapse notice duty, because section 5810 attaches to the policies described in the annual budget report. An incomplete summary therefore narrows a separate obligation as well as this one.
Limits were reduced or a deductible raised and members were not given individual notice.
Section 5810 requires individual notice pursuant to Section 4040 to all members where there is a significant change, such as a reduction in coverage or limits or an increase in the deductible, as to any policy described in the annual budget report. The duty is not limited to cancellation, which is the part most often missed in a hard market where a renewal is placed at lower limits rather than declined. A reduction can also drop the association below the thresholds that carry the protections in sections 5800 and 5805.
A policy lapsed or was cancelled and members were not given individual notice.
Section 5810 requires the association, as soon as reasonably practicable, to give individual notice to all members where a policy described in the annual budget report has lapsed, been canceled, and is not immediately renewed, restored, or replaced. Where the association receives notice of nonrenewal, it must immediately notify members if replacement coverage will not be in effect by the date the existing coverage lapses.
A declarant sits on the board and is outside the volunteer protection entirely.
Section 5800(c) provides that an officer or director who at the time of the act or omission was a declarant, or who received direct or indirect compensation as an employee from the declarant, is not a volunteer for purposes of the section. Section 5800(e) separately limits the protection to a tenant of a residential separate interest or an owner of no more than two separate interests. Buying the stated limits does not extend the statutory cap to a person the section excludes.
The statutory maintenance default is being assumed without reading the declaration.
Section 4775 allocates responsibility only unless otherwise provided in the declaration, and the default it sets is itself split: on exclusive use common area the owner maintains and the association repairs and replaces. A declaration may move any of that. The boundary between what the association's policy answers and what an owner's policy answers is drawn by that document, so a gap between the two usually traces to a clause nobody has read.
Questions this library answers on condominium unit owners
Lines that share a worksheet with this one
A worksheet that covers this line also covers these, which usually means the same decision touches all of them.
Source ledger
50 sources. Every citation number above resolves to a record below. Nothing here sits behind an account.
- [1]Cal. Code Regs. tit. 10, section 2695.183 - Standards for Estimates of Replacement Value(opens the original record on California Code of Regulations, Title 10 (text reproduced by Cornell Legal Information Institute))California Code of Regulations, Title 10 (text reproduced by Cornell Legal Information Institute)Primary lawPrimaryJurisdiction CAThird-party reproductionLast checked August 31, 2026Updates: Amended only through California rulemaking; the section itself requires the sources and methods behind estimates to be kept current no less frequently than annually.ID
ca-10-ccr-2695-183What this source supports (16)
- California Code of Regulations Title 10 section 2695.183, titled Standards for Estimates of Replacement Value, exists; the filing note reads New section filed 12-29-2010; operative 6-27-2011 pursuant to Government Code section 11343.4(b) (Register 2010, No. 53).
- An estimate of replacement cost must include the cost of labor, building materials and supplies; overhead and profit; the cost of demolition and debris removal; and the cost of permits and architect's plans.
- The estimate must consider components and features of the insured structure including type of foundation, type of frame, roofing materials and type of roof, siding materials and type of siding, whether the structure is located on a slope, the square footage of the living space, geographic location of property, number of stories and any nonstandard wall heights, materials used in and generic types of interior features and finishes, age of the structure or the year it was built, and size and type of attached garage.
- The estimate of replacement cost shall be based on an estimate of the cost to rebuild or replace the structure taking into account the cost to reconstruct the single property being evaluated, as compared to the cost to build multiple, or tract, dwellings.
- The estimate of replacement cost shall not be based upon the resale value of the land, or upon the amount or outstanding balance of any loan.
- The estimate of replacement cost shall not include a deduction for physical depreciation.
- The licensee shall, no less frequently than annually, take reasonable steps to verify that the sources and methods used to generate the estimate of replacement cost are kept current.
- Subdivision (g)(1) sets more than one clock. The licensee must provide a copy of the estimate of replacement cost to the applicant or insured at the time the estimate is communicated. In the event the estimate is communicated by telephone to an insured, the copy shall be mailed to the insured no later than three business days after the time of the telephone conversation. In the event the estimate is communicated by telephone to an applicant, the copy shall be mailed to the applicant no later than three business days after the applicant agrees to purchase the coverage.
- Subdivision (g)(1) also carries an exception: in the event the estimate of replacement cost is communicated by a licensee to an applicant to whom the licensee determines an insurance policy shall not be issued, the licensee is not required to provide a copy of the estimate of replacement cost.
- The re-disclosure subdivision does not apply when the update or revision to the estimate of replacement cost or the policy limit results solely from the application of an inflationary provision in a policy or an inflation factor.
- Licensees shall maintain a record of the information supplied by the applicant or insured that is used by the licensee to generate the estimate of replacement cost, and if a policy is issued these records and copies shall be maintained for the entire term of the insurance policy or the duration of coverage, whichever terminates later in time, and for five years thereafter.
- Under 10 CCR 2695.183(a), an estimate of replacement cost must include the expenses that would reasonably be incurred to rebuild the insured structure in its entirety, including at least the cost of labor, building materials and supplies, overhead and profit, cost of demolition and debris removal, cost of permits and architect's plans, and consideration of the components and features of the insured structure.
- The regulation states that the estimate of replacement cost shall not be based upon the resale value of the land, or upon the amount or outstanding balance of any loan.
- The regulation states that the estimate of replacement cost shall not include a deduction for physical depreciation.
- The regulation requires a licensee who communicates an estimate of replacement cost to an applicant or insured in connection with an application for or renewal of a homeowners insurance policy that provides coverage on a replacement cost basis to provide a copy of the estimate to the applicant or insured at the time the estimate is communicated.
- The reproduction states that these standards became operative June 27, 2011.
Fetched twice on 2026-08-31. Correction from the prior draft: the retention rule is not simply the policy term plus five years. The text is the entire term of the insurance policy or the duration of coverage, whichever terminates later in time, and for five years thereafter, and that full formulation is now used. Authority caveat: Cornell LII is a faithful reproduction, not the state's own publication. The official California Code of Regulations publisher site and a mirror at carules.elaws.us were both attempted on 2026-08-31 and did not return content (blocked host and timeout respectively), so the primary-law authority level here rests on a reproduction. A reader relying on exact wording should confirm against the official CCR. Published: 2010-12-29 Effective: 2011-06-27
ActiveReproduction - [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-guideWhat 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]Homeowners 3 - Special Form (HO 00 03 05 11)(opens the original record on American Family / Homesite filed copy of the ISO Homeowners 3 - Special Form, hosted by the Nevada Division of Insurance; page footers read "Insurance Services Office, Inc., 2010")American Family / Homesite filed copy of the ISO Homeowners 3 - Special Form, hosted by the Nevada Division of Insurance; page footers read "Insurance Services Office, Inc., 2010"Standards bodyPrimaryJurisdiction USThird-party reproductionLast checked August 31, 2026Updates: ISO revises its homeowners program periodically and a newer edition (HO 00 03 03 22) exists, so check the form number and edition date printed on your own declarations page and forms list.ID
iso-ho-00-03-05-11-nv-doiWhat this source supports (10)
- The HO 00 03 05 11 form defines "residence premises" as: a. the one-family dwelling where you reside; b. the two-, three- or four-family dwelling where you reside in at least one of the family units; or c. that part of any other building where you reside, and which is shown as the "residence premises" in the Declarations. It adds that "residence premises" also includes other structures and grounds at that location.
- Coverage D.2 Fair Rental Value of the HO 00 03 05 11 form reads: "If a loss covered under Section I makes that part of the 'residence premises' rented to others or held for rental by you not fit to live in, we cover the fair rental value of such premises less any expenses that do not continue while it is not fit to live in." Payment is for the shortest time required to repair or replace such premises.
- Additional Coverage E.10 Landlord's Furnishings of the HO 00 03 05 11 form reads: "We will pay up to $2,500 for your appliances, carpeting and other household furnishings, in each apartment on the 'residence premises' regularly rented or held for rental to others by an 'insured', for loss caused by a Peril Insured Against in Coverage C, other than Theft."
- Coverage B of the HO 00 03 05 11 form does not cover "other structures rented or held for rental to any person not a tenant of the dwelling, unless used solely as a private garage."
- Coverage C of the HO 00 03 05 11 form does not cover "property in an apartment regularly rented or held for rental to others by an 'insured', except as provided in E.10. Landlord's Furnishings", and does not cover "property rented or held for rental to others off the 'residence premises'."
- The HO 00 03 05 11 form defines "business" to include "a trade, profession or occupation engaged in on a full-time, part-time or occasional basis" and "any other activity engaged in for money or other compensation," excepting one or more activities for which no insured receives more than $2,000 in total compensation for the 12 months before the beginning of the policy period.
- Section II Exclusion E.2. of the HO 00 03 05 11 form states that the exclusion does not apply to the rental or holding for rental of an "insured location" (a) on an occasional basis if used only as a residence; (b) in part for use only as a residence, unless a single-family unit is intended for use by the occupying family to lodge more than two roomers or boarders; or (c) in part, as an office, school, studio or private garage.
- The HO 00 03 05 11 form excludes vandalism and malicious mischief, and any ensuing loss caused by any intentional and wrongful act committed in the course of the vandalism or malicious mischief, "if the dwelling has been vacant for more than 60 consecutive days immediately before the loss. A dwelling being constructed is not considered vacant."
- The glass or safety glazing material Additional Coverage of the HO 00 03 05 11 form does not include loss on the "residence premises" if the dwelling has been vacant for more than 60 consecutive days immediately before the loss, except where the breakage results directly from earth movement.
- Section I Condition R. Concealment Or Fraud of the HO 00 03 05 11 form states: "We provide coverage to no 'insureds' under this policy if, whether before or after a loss, an 'insured' has: 1. Intentionally concealed or misrepresented any material fact or circumstance; 2. Engaged in fraudulent conduct; or 3. Made false statements; relating to this insurance."
Downloaded 2026-08-31 (HTTP 200, application/pdf, about 122 KB). The fetch tool could not parse the compressed PDF streams, so the text was extracted locally with pdftotext -layout and read directly. Page 1 header reads "HOMEOWNERS / HO 00 03 05 11 / HOMEOWNERS 3 - SPECIAL FORM"; 24 pages; every page footer reads "Insurance Services Office, Inc., 2010". Every claim above was read verbatim in the extracted text. This is a carrier-filed copy hosted by a state regulator, not an ISO-published document, and a carrier's own filed edition can differ from the ISO edition. Published: 2011-05-01 Effective: 2011-05-01
ActiveReproduction - [4]California Insurance Code section 2051 (measure of indemnity; actual cash value)(opens the original record on California Legislative Counsel (leginfo.legislature.ca.gov))California Legislative Counsel (leginfo.legislature.ca.gov)Primary lawPrimaryJurisdiction CALast checked August 31, 2026Updates: Changes only by California legislation; last amended by Stats. 2019, Ch. 59 (AB 188).ID
ca-ins-code-2051What this source supports (4)
- Under an open policy, the measure of indemnity in fire insurance is the expense to the insured of replacing the thing lost or injured in its condition at the time of the injury, computed as of the time of the commencement of the fire.
- Under an open policy requiring payment of actual cash value, the measure of actual cash value recovery for either a total or partial loss to the structure or its contents is the amount it would cost the insured to repair, rebuild, or replace the thing lost or injured less a fair and reasonable deduction for physical depreciation based upon its condition at the time of the injury, or the policy limit, whichever is less.
- A deduction for physical depreciation shall apply only to components of a structure that are normally subject to repair and replacement during the useful life of that structure.
- The amendment note on the page reads Amended by Stats. 2019, Ch. 59, Sec. 1. (AB 188) Effective January 1, 2020, and the current text does not use the phrase fair market value.
Fetched 2026-08-31. Metadata corrected from the prior draft: the publishedDate 2019-07-12 appeared nowhere on the page and has been removed rather than left as an unsourced date. effectiveDate is taken from the amendment note on the page. Effective: 2020-01-01
Active - [5]California Insurance Code Section 2051.5 (replacement cost measure of indemnity, actual cash value holdback, and time to collect)(opens the original record on California Legislative Information (official))California Legislative Information (official)Primary lawPrimaryJurisdiction CALast checked August 31, 2026Updates: amended by legislation, including post-wildfire bills; re-check leginfo each sessionID
ca-ins-code-2051-5What this source supports (11)
- Under an open policy that requires payment of the replacement cost for a loss, the measure of indemnity is the amount that it would cost the insured to repair, rebuild, or replace the thing lost or injured, without a deduction for physical depreciation, or the policy limit, whichever is less.
- A time limit of less than 12 months from the date that the first payment toward the actual cash value is made shall not be placed upon an insured to collect the full replacement cost.
- For a loss relating to a state of emergency, a time limit of less than 36 months from the date that the first payment toward the actual cash value is made shall not be placed upon the insured.
- An insurer shall provide to a policyholder one or more additional extensions of six months for good cause where delays are beyond the insured's control.
- For a loss relating to a state of emergency, an insurer shall not require the insured to provide proof of loss less than 100 days after the loss.
- On and after July 1, 2026, all policy forms issued or renewed by an insurer shall comply with this section in its entirety.
- The section states its own scope: it applies 'Under an open policy that requires payment of the replacement cost for a loss'.
- Within that scope, the measure of indemnity is the amount that it would cost the insured to repair, rebuild, or replace the thing lost or injured, without a deduction for physical depreciation, or the policy limit, whichever is less.
- The insurer pays the actual cash value of the damaged property until the damaged property is repaired, rebuilt, or replaced, and once it is repaired, rebuilt, or replaced the insurer pays the difference.
- A time limit of less than 12 months from the date that the first payment toward the actual cash value is made shall not be placed upon an insured, and a time limit of less than 36 months shall not be placed upon the insured for a loss relating to a state of emergency.
- The insurer shall provide one or more additional extensions of six months for good cause, where the insured acting in good faith and with reasonable diligence encounters delays beyond the insured's control in approval for or reconstruction of the home or residence.
Effective: 2026-07-01 for full policy-form compliance, per subdivision (e) as displayed
Active - [6]What's the Difference Between Actual Cash Value Coverage and Replacement Cost Coverage?(opens the original record on National Association of Insurance Commissioners (NAIC))National Association of Insurance Commissioners (NAIC)Standards bodyPrimaryJurisdiction USLast checked August 31, 2026Updates: NAIC consumer articles are updated periodically; no cadence is stated on the page.ID
naic-acv-vs-rcvWhat this source supports (3)
- Under replacement cost value coverage, the policy will pay the cost to repair or replace damaged property using materials of a like kind and quality.
- Under actual cash value coverage, the policy will pay the cost to repair or replace the home or personal property based on its value, considering its age and wear and tear (depreciation).
- Replacement cost value is different from a home's market value, which includes the price of land and depends on the real estate market.
Fetched 2026-08-31. Page shows a publication date of Jan. 2, 2025, so publishedDate is no longer recorded as unknown. The page does not discuss extended or guaranteed replacement cost, inflation protection, or coinsurance, and is not cited for any of those. Published: 2025-01-02
Active - [7]Consumer's Guide to Homeowners Insurance, PI-015 (R 07/2026)(opens the original record on Wisconsin Office of the Commissioner of Insurance)Wisconsin Office of the Commissioner of InsuranceRegulatorPrimaryJurisdiction WILast checked August 31, 2026Updates: Revised periodically by the Wisconsin OCI; every page footer of this copy reads PI-015 (R 07/2026).ID
wi-oci-pi-015-homeowners-guideWhat this source supports (8)
- The guide states: "A dwelling policy provides more limited property coverage than a homeowners policy. The dwelling policy only provides property coverage (protection for individuals and families against loss of a dwelling or personal belongings). It does not provide liability coverage. The homeowners policy covers more. It offers a combination of property and liability coverage."
- The guide states: "Dwelling policies may be used to insure homes not qualifying for homeowners insurance. For example, they are commonly used to insure seasonal homes unoccupied for portions of the year. To qualify for dwelling insurance, a building does not have to be occupied by the owner, and it may even be under construction."
- The guide states that some types of "stationary mobile homes qualify, as well as homes with up to five boarders, and four-unit apartment complexes" for dwelling insurance.
- The guide states: "Modified Coverage Form (HO-8) is designed to provide package coverage to the owner-occupants of homes that do not meet all the requirements applicable to other homeowner policies."
- The guide states: "If you only occasionally rent a room or your home, your current homeowners insurer might be willing to provide an endorsement to protect you. However, if you plan to frequently rent out your home or a room in your home, landlord property insurance or rental coverage for landlords might be your best option."
- The guide states: "A landlord insurance policy will cover your home, structures on the property, property contents you own (such as appliances and furniture), lost rental income due to building damage, legal defense costs, and liability protection."
- The guide states: "Once you begin earning income from renting out your home or a room in your home, you are probably considered a home-based business. If you lease out a room (home sharing) or your entire home (short-term rental) for profit, your insurance company could claim you are essentially running a hotel or bed and breakfast and deny coverage. However, if you seldom rent out your home, your insurer might provide coverage."
- The guide advises: "Talk to your agent about your situation to be certain of what coverage you may or may not have related to participation in this activity."
Downloaded 2026-08-31 (HTTP 200, application/pdf, about 477 KB). Text extracted locally with pdftotext -layout. Title "Consumer's Guide to Homeowners Insurance", Wisconsin Office of the Commissioner of Insurance, 24 pages, page footers read "PI-015 (R 07/2026)", which supports the published date. All claims above were read verbatim. An earlier draft rendered the guide's "might be your best option" as "might be the better option"; the actual wording is restored. This is Wisconsin regulator consumer guidance. It is not a statement of California law and not a description of any specific California policy form. The guide's only vacancy discussion sits in its Wisconsin Insurance Plan section and concerns residual-market availability, so this source is not relied on for anything about vacancy clauses in policy forms. Published: 2026-07-01 Effective: 2026-07-01
Active - [8]California Insurance Code section 10102 (residential property insurance disclosure statement)(opens the original record on California Legislative Counsel (leginfo.legislature.ca.gov))California Legislative Counsel (leginfo.legislature.ca.gov)Primary lawPrimaryJurisdiction CALast checked August 31, 2026Updates: Changes only by California legislation; leginfo reflects the current operative text.ID
ca-ins-code-10102What this source supports (7)
- The statutory disclosure defines ACTUAL CASH VALUE COVERAGE, for either a total or partial loss to the structure or its contents, as paying the amount it would cost to repair, rebuild, or replace the thing lost or injured, less a fair and reasonable deduction for physical depreciation based upon its condition at the time of the injury, or the policy limit, whichever is less.
- The statutory disclosure defines REPLACEMENT COST COVERAGE as intended to provide for the cost to repair or replace the damaged or destroyed dwelling, without a deduction for physical depreciation, and states that many policies pay only the dwelling's actual cash value until the insured has actually begun or completed repairs or reconstruction on the dwelling.
- The statutory disclosure defines EXTENDED REPLACEMENT COST COVERAGE as intended to provide for the cost to repair or replace the damaged or destroyed dwelling without a deduction for physical depreciation, and states that Extended Replacement Cost provides additional coverage above the dwelling limits up to a stated percentage or specific dollar amount.
- The statutory disclosure defines GUARANTEED REPLACEMENT COST COVERAGE as covering the full cost to repair or replace the damaged or destroyed dwelling for a covered peril regardless of the dwelling limits shown on the policy declarations page.
- Subdivision (e) provides that a policy of residential property insurance shall not be initially issued as guaranteed replacement cost coverage if it contains any maximum limitation of coverage based on any set dollar limits, percentage amounts, construction cost limits, indexing, or any other preset maximum limitation.
- Subdivision (d) provides that following issuance of the policy the insurer shall provide the disclosure statement to the insured on an every-other-year basis at the time of renewal.
- The amendment note on the page reads Amended by Stats. 2020, Ch. 263, Sec. 2. (AB 2756) Effective January 1, 2021.
Fetched twice on 2026-08-31, the second time to confirm the Extended Replacement Cost paragraph in full rather than in truncated form. Metadata corrected from the prior draft: effectiveDate is now recorded from the amendment note. Note that the current text of this STATUTE uses the words EXTENDED REPLACEMENT COST COVERAGE and does not use the words Limited Replacement Cost Coverage. The Limited Replacement Cost wording appears only in the CDI consumer guide's summary of Senate Bill 1855 (2004), and this bundle attributes each to its own source and does not claim the coverage has been generally renamed. Effective: 2021-01-01
Active - [9]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-deductiblesWhat 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 - [10]Homeowners Insurance (consumer information)(opens the original record on National Association of Insurance Commissioners)National Association of Insurance CommissionersStandards bodyPrimaryJurisdiction USLast checked August 31, 2026Updates: NAIC revises consumer pages periodicallyID
naic-consumer-homeownersWhat this source supports (10)
- Dwelling coverage covers damage to the house, and the face amount of the policy is the most the insured will receive if the house is totally destroyed.
- Other structures coverage covers damage to other structures or buildings, such as a detached garage, work shed, or fencing.
- Personal property coverage covers damage to or loss of personal property, which includes household contents and other personal belongings used, owned or worn by the insured and the insured's family.
- Loss of use covers the necessary living expenses, up to the stated limit, incurred by the insured to continue as nearly as possible the normal standard of living when the house cannot be occupied due to a covered loss.
- Personal liability protects the insured against claims arising from accidents to others on property the insured owns or rents.
- Medical payments coverage is limited to an amount per person and per accident for injuries occurring on the insured's premises to persons other than an insured, or elsewhere if caused by the insured, a member of the insured's family, or the insured's pets.
- The page lists as not covered by standard policies: flood, earthquakes, mold, infestations, home office, certain pets, jewelry and art and heirlooms, and detached buildings or pools.
- The deductible is the amount the insured has to pay out of pocket on each claim and applies only to coverage on the house and personal property, and the insured's choice of a higher deductible will reduce the price for homeowners insurance.
- Replacement cost is the amount it would take to replace or rebuild the home or repair damages with materials of similar kind and quality, without deducting for depreciation, while actual cash value is the amount it would take to repair or replace damage after depreciation.
- Older homes may not qualify for preferred programs, and insurers may require older homes to have updated heating, plumbing, wiring and roofing.
Effective: not stated on the page
Active - [11]Residential Property Claims Guide (CDI Form 405)(opens the original record on California Department of Insurance)California Department of InsuranceRegulatorPrimaryJurisdiction CALast checked August 31, 2026Updates: Revised by CDI as consumer guidance is updated; no fixed schedule stated.ID
cdi-residential-property-claims-guideWhat this source supports (6)
- Replacement cost is the dollar amount needed to replace a damaged item with one of similar kind and quality without deducting for depreciation.
- This page describes actual cash value as paying the amount needed to replace the item at the current market value, and its illustration reasons that an eight-year-old washing machine would almost certainly be worth less than its original cost according to the current market value.
- The guide defines replacement cost as the dollar amount needed to replace a damaged item with one of similar kind and quality without deducting for depreciation.
- The guide states that an actual cash value policy pays the amount needed to replace the item at the current market value, and illustrates the difference with an eight-year-old washing machine, for which the insurer would likely pay only a percentage of the cost of a new machine.
- For trees and shrubbery the guide gives a general figure of 5 percent of the dwelling limit of liability provided as an additional amount of insurance, with a $500.00 (and in some cases $250.00) limit for loss to any one tree, shrub, or plant.
- The guide instructs consumers to check the language in their individual policy for the coverage that applies.
Fetched 2026-08-31. Page carries the stamp Form 405 Revised February 28, 2025. Correction from the prior draft: this page does NOT frame actual cash value in terms of depreciation. It frames it as the amount needed to replace the item at the current market value. The earlier claim that the page says an ACV settlement takes depreciation due to age and wear into account was a paraphrase the page does not support and has been rewritten in the page's own terms. Only the replacement cost definition is cited in prose. Published: 2025-02-28 Effective: 2025-02-28
Active - [12]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-eligibilityWhat 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 - [13]Standard Flood Insurance Policy, Dwelling Form (44 CFR part 61, appendix A(1))(opens the original record on FEMA National Flood Insurance Program, Code of Federal Regulations, text hosted by Cornell Legal Information Institute)FEMA National Flood Insurance Program, Code of Federal Regulations, text hosted by Cornell Legal Information InstituteSecondaryPrimaryJurisdiction USThird-party reproductionLast checked August 31, 2026Updates: FEMA amends the Standard Flood Insurance Policy by rulemaking; confirm the current codified text on eCFR or govinfo before relying on it.ID
nfip-sfip-dwelling-formWhat this source supports (5)
- The Dwelling Form defines direct physical loss by or from flood as loss or damage to insured property, directly caused by a flood, and states that there must be evidence of physical changes to the property.
- The Dwelling Form defines actual cash value as the cost to replace an insured item of property at the time of loss, less the value of its physical depreciation.
- The Dwelling Form applies replacement cost settlement to a single family dwelling that is the insured's principal residence when, at the time of loss, the amount of insurance in the policy that applies to the dwelling is 80 percent or more of its full replacement cost immediately before the loss, or is the maximum amount of insurance available under the NFIP. The two branches are stated in the alternative, so satisfying either one meets the insurance-amount condition.
- The Dwelling Form provides separate coverages with separate limits for Building Property and Personal Property, with the limit amounts shown on the Declarations Page, and provides that separate deductibles apply to the building and personal property insured by the policy.
- The Dwelling Form provides that the insurer will pay no more than $2,500 for any one loss to one or more of several listed kinds of personal property, including artwork, photographs, collectibles, or memorabilia, rare books, jewelry, and furs.
Fetched 2026-08-31 and each claim read on the page. Re-fetched on 2026-08-31 to read the Loss Settlement replacement cost condition in full, because an earlier draft quoted only the 80 percent branch; the form states the insurance-amount condition in the alternative, '80 percent or more of its full replacement cost immediately before the loss, or is the maximum amount of insurance available under the NFIP', and both branches are now recorded. eCFR was tried again on 2026-08-31 for the official rendering and returned a redirect to unblock.federalregister.gov rather than the appendix, so the Cornell hosted copy remains the accessible text. authorityLevel is recorded as 'secondary' rather than 'primary-law' for that reason. This is one specific published federal form and is cited as an example that anyone can read, not as representative of private homeowners or commercial form wording.
ActiveReproduction - [14]Types of Flood Insurance Coverage(opens the original record on FEMA, National Flood Insurance Program (agents.floodsmart.gov))FEMA, National Flood Insurance Program (agents.floodsmart.gov)RegulatorPrimaryJurisdiction USLast checked August 31, 2026Updates: FEMA updates NFIP coverage limits only when Congress raises them; verify limits before quoting.ID
nfip-agents-coverageWhat this source supports (4)
- A residential building can be insured for up to 250,000 dollars.
- A non-residential building can be insured for up to 500,000 dollars.
- Belongings can be insured up to 100,000 dollars under a residential policy and up to 500,000 dollars under a non-residential policy.
- Belongings are covered for their value at the time of the damage, which the page calls Actual Cost Value, not their original cost, and there is no option for full replacement value.
Fetched on 2026-08-31 and confirmed the four caps and the contents valuation language. The page uses the phrase Actual Cost Value. Any use of the phrase actual cash value is an editorial paraphrase and must not be presented as page language. This page does not address lender requirements.
Active - [15]42 U.S.C. 4012a - Flood insurance purchase and compliance requirements and escrow accounts(opens the original record on Office of the Law Revision Counsel, U.S. House of Representatives)Office of the Law Revision Counsel, U.S. House of RepresentativesPrimary lawPrimaryJurisdiction USLast checked August 31, 2026Updates: Changes only by act of Congress; check for amendments at each NFIP reauthorization.ID
usc-42-4012aWhat this source supports (6)
- A regulated lending institution may not make, increase, extend, or renew any loan secured by improved real estate or a mobile home located or to be located in an area identified by the FEMA Administrator as having special flood hazards unless the building or mobile home is covered by flood insurance for the term of the loan.
- The required flood insurance amount is at least equal to the outstanding principal balance of the loan or the maximum limit of coverage made available under the Act for the particular type of property, whichever is less.
- Regulated lending institutions must accept private flood insurance as satisfaction of the flood insurance coverage requirement if it meets the standards the statute specifies for breadth of coverage, cancellation notice, and claims procedures.
- If a borrower fails to obtain required flood coverage after 45 days written notice, the lender or servicer for the loan shall purchase the insurance on the borrower's behalf and may charge the borrower the cost.
- Within 30 days of receiving confirmation of the borrower's own flood coverage, the lender or servicer must terminate the insurance it purchased and refund premiums and fees paid for any period of overlapping coverage.
- Premiums and fees for flood insurance on residential improved real estate must generally be paid to the regulated lending institution or servicer with the same frequency as loan payments and deposited in an escrow account on behalf of the borrower, subject to exceptions including institutions with total assets under 1,000,000,000 dollars that were not already required to escrow as of July 6, 2012, junior or subordinate liens, condominium or cooperative units covered by a group flood policy, business-purpose collateral, home equity lines of credit, nonperforming loans, and loans with terms of 12 months or less.
Fetched the prelim edition on uscode.house.gov on 2026-08-31 and read subsections (b), (d), and (e). Confirmed the lesser-of amount test, the private flood acceptance mandate, the 45-day notice, the duty of the lender or servicer to purchase, the 30-day termination and refund, and the escrow requirement with its exceptions.
Active - [16]42 U.S.C. 4012a - Flood insurance purchase and compliance requirements and escrow accounts(opens the original record on Office of the Law Revision Counsel, U.S. House of Representatives)Office of the Law Revision Counsel, U.S. House of RepresentativesPrimary lawPrimaryJurisdiction USLast checked August 31, 2026Updates: Amended by Congress; re-check the prelim edition on uscode.house.gov before each publication cycle.ID
usc-42-4012a-2What this source supports (5)
- 42 U.S.C. 4012a(b)(1)(A) bars a regulated lending institution from making, increasing, extending, or renewing a loan secured by improved real estate or a mobile home located in a special flood hazard area in which flood insurance has been made available, unless the building or mobile home and any personal property securing the loan is covered for the term of the loan by flood insurance in an amount at least equal to the outstanding principal balance of the loan or the maximum limit of coverage made available under the Act with respect to the particular type of property, whichever is less.
- 42 U.S.C. 4012a(b)(1)(B) requires such institutions to accept private flood insurance as satisfaction of the flood insurance coverage requirement if the coverage it provides meets the requirements for coverage under subparagraph (A).
- 42 U.S.C. 4012a(a) conditions federal financial assistance for acquisition or construction purposes in a special flood hazard area on flood insurance in an amount at least equal to the development or project cost, less estimated land cost, or to the maximum limit of coverage made available with respect to the particular type of property, whichever is less, and states that coverage continues during the life of the property regardless of transfer of ownership.
- 42 U.S.C. 4012a(d) requires flood insurance premiums and fees for residential improved real estate or a mobile home to be paid to the regulated lending institution or servicer and deposited in an escrow account on behalf of the borrower, subject to exceptions in subsection (d) that include a lending institution with total assets of less than $1,000,000,000 that was not required to escrow taxes and insurance before July 6, 2012, a loan junior or subordinate to a senior lien on which flood insurance is being maintained, a condominium or cooperative unit covered by a master flood policy paid through common expenses, a loan for a business purpose, a home equity line of credit, a nonperforming loan, and a loan with a term not exceeding 12 months.
- Under 42 U.S.C. 4012a(e), if the borrower fails to purchase required flood insurance within 45 days after notification, the lender or servicer shall purchase the insurance on behalf of the borrower and may charge the borrower for the cost.
Active - [17]Selling Guide B7-3-02, Property Insurance Requirements for One- to Four-Unit Properties(opens the original record on Fannie Mae)Fannie MaeStandards bodyPrimaryJurisdiction USLast checked August 31, 2026Updates: Fannie Mae updates the Selling Guide on a roughly monthly announcement cycle.ID
fnma-b7-3-02What this source supports (8)
- Property insurance policies for one- to four-unit properties securing loans purchased by Fannie Mae should be written on a Special coverage form or equivalent. The page states this in should form, not as an absolute must.
- The property insurance policy must provide coverage on a replacement cost basis, with the exception of roofs, and policies providing such terms of coverage will be deemed to provide sufficient coverage.
- Roofs must be insured, but do not have to be insured on a replacement cost basis.
- The maximum allowable deductible for all required property insurance perils for one- to four-unit properties is 5 percent of the property insurance coverage amount, and where a policy includes separate deductibles for different required perils, each individual deductible must not exceed 5 percent of the property insurance coverage amount.
- The required perils listed are fire or lightning, explosion, windstorm including named storms, hail, smoke, aircraft, vehicles, and riot or civil commotion.
- If a property insurance policy excludes or limits coverage of any of the required perils, the borrower must obtain an acceptable policy, for example a stand-alone policy, that provides adequate coverage for the limited or excluded peril.
- This section does not state a coverage amount formula tied to the unpaid principal balance of the loan.
- This section does not state flood insurance requirements and instead cross-references B7-3-06 for them, and it does not mention earthquake insurance.
Fetched on 2026-08-31. The page displays an August 5, 2026 effective date. The coverage form sentence is written as should, not must, and is recorded that way here; a prior draft stated it as an absolute requirement. Flood insurance requirements are addressed in a different Selling Guide section, B7-3-06, which this page cross-references and which is cited separately in this bundle. Published: 2026-08-05 Effective: 2026-08-05
Active - [18]44 CFR 61.11 - Effective date and time of coverage under the Standard Flood Insurance Policy - New Business Applications and Endorsements(opens the original record on U.S. Government Publishing Office, Code of Federal Regulations)U.S. Government Publishing Office, Code of Federal RegulationsRegulatorPrimaryJurisdiction USLast checked August 31, 2026Updates: Amended by FEMA rulemaking; the govinfo annual CFR edition lags, so confirm against the current eCFR text when it is reachable.ID
cfr-44-61-11What this source supports (4)
- Under 44 CFR 61.11, the effective date and time of any new NFIP policy, added coverage, or increase in the amount of coverage is generally 12:01 a.m. local time on the 30th calendar day after the application date and the presentment of payment of premium.
- Where the initial purchase of flood insurance is in connection with the making, increasing, extension, or renewal of a loan, coverage on the property that is the subject of the loan is effective as of the time of the loan closing, provided the written request for the coverage is received by the NFIP and the policy is applied for and the premium presented at or prior to the loan closing.
- During the 13-month period beginning on the effective date of a revised Flood Hazard Boundary Map or Flood Insurance Rate Map for a community, the effective date and time of any initial flood insurance coverage is 12:01 a.m. local time on the first calendar day after the application date and the presentment of payment of premium.
- The section also provides an effective date of 12:01 a.m. local time on the first calendar day after the application date and the presentment of payment of premium where the property is affected by flooding on Federal land that is a result of, or is exacerbated by, post-wildfire conditions, and the coverage was purchased not later than 60 calendar days after the fire containment date.
Active - [19]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-10081What 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 - [20]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-10083What 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 - [21]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-guideWhat 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 - [22]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-10-2697-6What 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 - [23]Basic Earthquake Policy - Homeowners, Form BEQ-3B (01-2026 edition), sample policy(opens the original record on California Earthquake Authority)California Earthquake AuthorityCarrier officialPrimaryJurisdiction CALast checked August 31, 2026Updates: CEA refiles its policy forms periodically; this edition is designated 01-2026 and supersedes the 01-2019 sample previously published.ID
cea-beq3b-homeowners-policy-formWhat this source supports (11)
- Every page carries the form line 'BEQ-3B (01-2026 edition)'; the sample runs 26 pages. A notice page states 'THE LANGUAGE OF THIS POLICY HAS BEEN APPROVED BY THE CALIFORNIA INSURANCE COMMISSIONER'.
- The AGREEMENT states: 'This policy is issued by the California Earthquake Authority (CEA), a public instrumentality of the State of California established and authorized by law to transact insurance in California as necessary to sell policies of basic residential earthquake insurance.'
- Definition 12 defines 'Earthquake' as 'a vibration-generating rupture event caused by displacement within the earth's crust through release of strain associated with tectonic processes and includes effects such as ground shaking, liquefaction, and damaging amplification of ground motion', and ends 'Earthquake does not mean or include tsunami or volcanic eruption.'
- Definition 11 states: 'Dwelling does not include land, whether or not beneath the residential structure or mobile home, even if required for support.'
- LOSSES EXCLUDED Item 1 excludes 'Fire or explosion.'
- LOSSES EXCLUDED Item 2 excludes water damage including 'Flood, precipitation (including but not limited to rain, snow, hail, or sleet), or surface water; waves, tsunami, or tidal water; rupture of a dam, levee, berm, or sea wall; overflow of a natural or man-made body of water; or spray from any of these' and water below the surface of the ground, subject to write-backs for earthquake-caused release of water from water heaters, refrigerators, or water supply pipes within the dwelling; displacement of water from an aquarium, drinking water container or dispenser, swimming pool, decorative pool, spa, or hot tub; release of water from municipal or other water supply lines or of water or sewage from sewers or drains; and precipitation entering a building through an opening in a roof or wall that is the direct result of earthquake damage.
- LOSSES EXCLUDED Item 5 excludes 'Earth movement, settling of land, land sliding, subsidence, mudflows, or earth sinking, rising or shifting' unless it 'is induced by, and would not have occurred in the absence of, an earthquake that commences during the policy period as part of a seismic event that commences during the policy period' and 'causes loss that manifests within one year after the earthquake that caused the loss.'
- Property Not Covered under Coverage A and Coverage B, Items 1 and 2, excludes 'Land, including land underlying the dwelling' and the cost of land stabilization, stabilization structures, and associated engineering, in each case except as provided under OTHER COVERAGES Item 3, 'Land'. OTHER COVERAGES Item 3 pays up to $10,000, as a sublimit of the combined single limit for Coverage A and Coverage B, to restore or stabilize land necessary to support the dwelling where stabilization is necessary for habitability.
- IMPORTANT NOTICES Item 2, Companion Policy Requirement, states that during the entire policy period the insured must keep in force a companion policy providing fire insurance for the same property, issued by the same participating insurer, and that 'if no companion policy is in effect at the time of loss, this CEA policy is void and no payment will be made under this CEA policy.' The AGREEMENT Item 5 states the same requirement.
- The DEDUCTIBLE CLAUSE states: 'The deductible amount is a percentage of the combined single limit of insurance for COVERAGE A: DWELLING and COVERAGE B: EXTENSIONS TO DWELLING.' Coverage D Loss of Use is not subject to a deductible, nor is the first $1,500 of coverage under OTHER COVERAGES Item 1, Emergency Repairs, and the deductible amount does not reduce any limit of insurance stated on the declarations.
- IMPORTANT NOTICES Item 3 states that the policy does not have a 'guaranteed replacement cost' or 'extended replacement cost' feature and that the combined single limit for Coverage A and Coverage B is not modified by any such feature in the homeowners or other companion policy.
Replaces the 01-2019 sample cited in the draft, which is a superseded edition. Fetched 2026-08-31; WebFetch could not parse the PDF inline, so the saved file was extracted with pdftotext and the DEFINITIONS, DEDUCTIBLE CLAUSE, IMPORTANT NOTICES, COVERAGES, OTHER COVERAGES, and LOSSES EXCLUDED sections were read directly. effectiveDate is 'unknown' because the sample states an edition designation but no filing effective date. Published: 2026-01
Active - [24]Earthquake Insurance (consumer information guide, Form 925, October 2024)(opens the original record on California Department of Insurance)California Department of InsuranceRegulatorPrimaryJurisdiction CALast checked August 31, 2026Updates: Reissued periodically by CDI; this edition is marked Form 925 - October 2024.ID
cdi-earthquake-guide-925What this source supports (10)
- The guide states: 'Generally, homeowners, renters and condominium insurance policies do not cover damage from natural disasters such as earthquakes, floods, and landslides.'
- The guide states: 'Your homeowner's insurance does not cover earthquake damage.'
- The guide states: 'California law says that both homeowners and renter's insurance must cover fire damage that is caused by or follows an earthquake. This means that fire damage is covered, whether or not you have earthquake insurance.'
- The guide states that if you have homeowner's insurance in California your company must offer to sell you earthquake insurance every other year, that 'The offer must be in writing. It must tell you the amounts it covers (the limits), the deductible, and the premium.', and that 'You have 30 days to accept the offer. The 30-day period starts the date the company mails the offer to you. If you do not reply, you are rejecting the offer.'
- The guide states: 'The California Earthquake Authority (CEA) provides most earthquake insurance in California.', 'You cannot purchase earthquake insurance directly from CEA. It is sold by insurance companies that are members of CEA (also known as Participating Insurers).', and 'You must purchase a CEA policy from the same insurance company that you have your residential policy with.'
- The guide describes three main parts of the basic CEA earthquake coverage: Dwelling (Coverage A), Personal Property (Coverage C), and Additional Living Expenses (Coverage D).
- Under the heading 'What Earthquake Insurance Does Not Cover' the guide states 'All insurance policies have exclusions.' and lists as 'Some common earthquake insurance exclusions': Fire, Land, Vehicles, Flood. The list is presented by CDI as examples, not as a complete list.
- The guide states that with CEA insurance older homes may qualify for a discount of up to 20 percent if they have been properly retrofitted, and directs consumers to 'Use the Premium Calculator at www.earthquakeauthority.com to estimate your premium.'
- The guide gives the CDI Consumer Assistance Hotline as 1-800-927-4357 and states that consumers may file a Request for Assistance against the insurer or the agent/broker by mail or online.
- The footer reads 'Form 925 - October 2024'. The guide contains no statement about earthquake deductibles being a percentage of any limit, and no statement about tsunami or about obtaining flood coverage.
Fetched 2026-08-31; WebFetch could not parse the PDF inline, so the saved file was extracted with pdftotext and read in full. publishedDate is recorded as 2024-10 rather than a specific day, because the only dating on the document itself is the 'October 2024' footer. Published: 2024-10
Active - [25]Rental dwelling insurance(opens the original record on State Farm)State FarmCarrier officialSecondaryJurisdiction USLast checked August 31, 2026Updates: carrier marketing pages change without notice; re-verify each reviewID
statefarm-rental-dwellingWhat this source supports (7)
- Dwelling coverage is described as helping pay for covered repairs or reconstruction of the dwelling and other structures on the same property.
- Personal property coverage is described as helping pay for covered losses to specific property located at the rental dwelling, including furniture and other personal property rented with or used to maintain the property.
- Loss of rents coverage is described as helping reimburse the owner for loss of fair rental value if the rental dwelling is damaged by an insured loss that causes the property to be uninhabitable.
- Liability coverage is described as helping protect the owner financially against costly covered liability lawsuits.
- The page states that tenant-owned personal property is not covered by this policy.
- The exclusions the page lists include damage from continuous or repeated seepage or leakage of water or steam; flood or underground water damage; earth movement including earthquake and landslide; settling, deterioration, contamination or nuclear hazard; and damage from birds, rodents, insects or domestic animals.
- The page states that details of coverage or limits vary in some states and that it is only a general description of coverage and not a statement of contract.
Effective: not stated on the page
Active - [26]Insurance Topics: Homeowners Insurance(opens the original record on National Association of Insurance Commissioners (NAIC))National Association of Insurance Commissioners (NAIC)Standards bodyPrimaryJurisdiction USLast checked August 31, 2026Updates: NAIC updates its Insurance Topics pages periodically; the page fetched on 2026-08-31 displayed a last updated date of 10/25/2025.ID
naic-homeownersWhat this source supports (8)
- NAIC states that coverage can be for all perils, except those explicitly excluded, or for just those perils specifically named in the policy.
- NAIC states that the limits of coverage for the other coverages are typically calculated as percentages of the dwelling limit.
- NAIC's page states that all homeowners insurance policies cover the structure of the home, including attached structures, fixtures and built-in appliances, and that most policies also cover home contents and personal liability for covered accidents. This is NAIC's general description of the market, not a reading of any particular filed form.
- NAIC states that a home can be insured based on replacement cost, meaning the cost to rebuild, or on actual cash value.
- NAIC states that separate policies for flood or earthquake coverage also may be purchased by those in areas prone to these perils.
- NAIC lists optional add-ons including coverage for unattached structures, personal property, medical payments, additional living expenses, sewer backup, and umbrella liability.
- NAIC states that the lower the deductible amount, the higher the policy premium.
- NAIC publishes A Consumer's Guide to Home Insurance and a home inventory app.
Fetched 2026-08-31; both claims read verbatim and the displayed last updated date of 10/25/2025 recorded as publishedDate, correcting an earlier draft that recorded this as unknown. The page does not name HO-3 or any other specific form and does not discuss endorsements, so it is not cited for form-specific behavior. Published: 2025-10-25
Active - [27]Homeowners 6 - Unit-Owners Form (HO 00 06 05 11)(opens the original record on Insurance Services Office, Inc. (page footers read "Insurance Services Office, Inc., 2010"); copy hosted by the Maine Bureau of Insurance)Insurance Services Office, Inc. (page footers read "Insurance Services Office, Inc., 2010"); copy hosted by the Maine Bureau of InsuranceStandards bodyPrimaryJurisdiction USThird-party reproductionLast checked August 31, 2026Updates: ISO revises its homeowners program periodically and newer editions exist, so check the form number and edition date printed on your own declarations page and forms list.ID
iso-ho-00-06-05-11-me-bureauWhat this source supports (3)
- The HO 00 06 05 11 form defines "residence premises" as "the unit where you reside shown as the 'residence premises' in the Declarations."
- Coverage D.2 Fair Rental Value of the HO 00 06 05 11 form reads: "If a loss covered under Section I makes that part of the 'residence premises' rented to others or held for rental by you not fit to live in, we cover the fair rental value of such premises less any expenses that do not continue while it is not fit to live in." Payment is for the shortest time required to repair or replace such premises.
- Coverage A of the HO 00 06 05 11 form is headed "Coverage A - Dwelling" and covers: the alterations, appliances, fixtures and improvements which are part of the building contained within the "residence premises"; items of real property which pertain exclusively to the "residence premises"; property which is your insurance responsibility under a corporation or association of property owners agreement; and structures owned solely by you, other than the "residence premises", at the location of the "residence premises".
Downloaded 2026-08-31 (HTTP 200, application/pdf, about 153 KB). Text extracted locally with pdftotext -layout and read directly. Page 1 header reads "HOMEOWNERS / HO 00 06 05 11 / HOMEOWNERS 6 - UNIT-OWNERS FORM"; 21 pages; page footers read "Insurance Services Office, Inc., 2010". Definition 11, Coverage A.1 and Coverage D.2 were read verbatim. An earlier draft described this as a "homeowners-family form for condominium and similar unit owners" with "a Coverage A for the unit"; that phrasing appears nowhere in the document and has been replaced with the form's own Coverage A wording. Published: 2011-05-01 Effective: 2011-05-01
ActiveReproduction - [28]Best California Earthquake Insurance Providers - Top Rated Companies | CEA(opens the original record on California Earthquake Authority)California Earthquake AuthorityCarrier officialPrimaryJurisdiction CALast checked August 31, 2026Updates: The participating insurer list changes as insurers join or leave; re-check before relying on it.ID
cea-participating-insurersWhat this source supports (3)
- The page states: California Earthquake Authority (CEA) offers earthquake insurance policies exclusively through the residential insurance companies listed below.
- The page carries the H1 heading Our Insurance Partners and lists individual residential insurance companies to contact for a CEA quote or to buy a CEA earthquake insurance policy.
- The page does not state a total number of participating insurers.
Active - [29]California Mobilehome and Manufactured Home Earthquake Insurance Policies(opens the original record on California Earthquake Authority)California Earthquake AuthoritySecondaryPrimaryJurisdiction CALast checked August 31, 2026Updates: as-revised-by-programID
cea-mobilehome-policyWhat this source supports (8)
- The page states that CEA works with residential insurance companies and that a CEA earthquake policy is available to Californians whose home is insured by one of those participating companies, which is the companion residential policy condition.
- The page describes a separate CEA mobilehome and manufactured home earthquake policy distinct from the homeowners policy.
- The page lists mobilehome (dwelling), personal property, and loss of use as coverages under the mobilehome policy.
- The page states that Building Code Upgrade coverage of $10,000 is included automatically.
- The page states that the first $1,500 of Emergency Repairs carries no deductible.
- The page lists deductible choices of 5, 10, 15, 20 and 25 percent.
- The page states that Loss of Use carries no deductible.
- Under a Building Code Upgrade heading, the page states that a $10,000 building code upgrade coverage is included with every CEA homeowner policy; the page does not state that this coverage is part of the mobilehome and manufactured home policy.
Active - [30]California Earthquake Authority home page(opens the original record on California Earthquake Authority)California Earthquake AuthorityCarrier officialPrimaryJurisdiction CALast checked August 31, 2026Updates: Continuously maintained CEA home page.ID
cea-homeWhat this source supports (3)
- CEA presents earthquake insurance in four residential categories: homeowners, condo unit owners, mobilehome and manufactured homeowners, and renters.
- The page states: Since 1996, CEA has been encouraging California homeowners, mobilehome owners, condo-unit owners and renters to reduce their risk of earthquake damage and loss through education, mitigation and insurance.
- The home page displays no telephone number and displays the 400 Capitol Mall, Suite 1200, Sacramento, CA 95814 address in its footer.
Active - [31]California Insurance Code Section 10089.6 (creation of the California Earthquake Authority)(opens the original record on California Legislative Information (California Legislature))California Legislative Information (California Legislature)Primary lawPrimaryJurisdiction CALast checked August 31, 2026Updates: Changes only by legislative amendment.ID
ca-ins-code-10089-point-6What this source supports (7)
- Section 10089.6(a)(1) provides that there is hereby created the California Earthquake Authority, which shall be administered and governed by the governing board described in Section 10089.7 under the authority of the commissioner, and overseen by the California Catastrophe Response Council solely with regard to administrative or support services the authority may provide to or for the benefit of the Wildfire Fund or the Wildfire Fund Administrator, with all other businesses or activities of the authority governed solely by the board.
- Section 10089.6(a)(1) provides that the authority shall be authorized to transact insurance in this state as necessary to sell policies of basic residential earthquake insurance in the manner set forth in Sections 10089.26, 10089.27, and 10089.28, and that the authority shall have no authority to transact any other type of insurance business.
- Section 10089.6(b)(2) provides that the rights, obligations, and duties owed by the authority to its insureds, beneficiaries of insureds, and applicants for insurance shall be the same as those owed by insurers under common law, regulations, and statutes, and that the authority shall be liable to them as an insurer is liable.
- Section 10089.6(a)(1) begins: 'There is hereby created the California Earthquake Authority, which shall be administered and governed by the governing board described in Section 10089.7 under the authority of the commissioner and overseen by the California Catastrophe Response Council solely with regard to any administrative or support services the authority may provide to, or for the benefit of, the Wildfire Fund'. The sentence does not end at the word 'commissioner'.
- Section 10089.6(a)(1) further provides that all other businesses or activities of the authority unrelated to the Wildfire Fund shall be governed solely by the board, and that the authority shall have the powers conferred by the chapter.
- The section sits in CHAPTER 8.6. California Earthquake Authority [10089.5 - 10089.55], added by Stats. 1995, Ch. 944, Sec. 2.
- This section establishes that the California Earthquake Authority exists and is state-created; it says nothing about CEA's market share.
Active - [32]Insurance Company Profiles(opens the original record on California Department of Insurance)California Department of InsuranceRegulatorPrimaryJurisdiction CALast checked August 31, 2026Updates: Underlying company data is maintained continuously by CDI.ID
cdi-company-profilesWhat this source supports (3)
- A person can search by partial or full company name to retrieve an insurance company profile, and can alternatively search for company profiles by what kind of insurance the company is able to sell in California.
- A CDI company profile includes location, former names of the company, agent for service of process, reference information (license status, company type, state of domicile), lines of insurance the company is authorized to transact, and complaint history.
- CDI points users to the National Association of Insurance Commissioners' Global Receivership Information Database for receivership information from U.S. jurisdictions, and to California's Conservation and Liquidation Office for additional California information.
Active - [33]Check out the Insurance Company(opens the original record on California Department of Insurance)California Department of InsuranceRegulatorSecondaryJurisdiction CALast checked August 31, 2026Updates: CDI updates its consumer pages without a published revision schedule; no revision date was shown on the page when fetched.ID
cdi-check-insurance-companyWhat this source supports (1)
- CDI tells consumers to search Insurance Company Profiles to verify that an insurance company is authorized to conduct business in California, and to enter the name of the company to view the full company information.
Fetched 2026-08-31 and added in this revision so the recommendation to verify an insurer's status is attached to a source rather than asserted. The page showed no revision date. It is cited only for the existence and purpose of the Insurance Company Profiles search, not for what any lookup result would say about any particular insurer.
Active - [34]California Insurance Code Section 10082 (content of the earthquake offer; underwriting standards)(opens the original record on California Legislative Information (Legislative Counsel of California))California Legislative Information (Legislative Counsel of California)Primary lawPrimaryJurisdiction CALast checked August 31, 2026Updates: Amended only by act of the California Legislature.ID
ca-ins-code-10082What this source supports (4)
- Section 10082(a) reads: 'The offer required by Section 10081 shall include coverage against risk of loss or damage from the peril of earthquake, in accordance with the minimum coverages required by subdivisions (a) and (b) of Section 10089.'
- Section 10082(b) reads: 'The earthquake coverage shall be in accordance with the insurer's rules and rating plan, provided, however, that nothing contained in this chapter shall require an insurer to issue a policy of residential property insurance except in accordance with the insurer's usual underwriting standards. However, those standards shall not permit an insurer to provide a policy of residential property insurance unless the offer of coverage required by this chapter is made.'
- The section carries the note 'Amended by Stats. 1996, Ch. 124, Sec. 77. Effective January 1, 1997.'
- Section 10082 contains no offer-timing language; the 60-day window is in Section 10083(a).
URL normalized to drop the trailing period after the section number that appeared in the draft; the normalized URL resolves and was read on 2026-08-31.
Active - [35]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-10087What 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
Active - [36]Next Steps After Acceptance: Retrofit Program Guide(opens the original record on California Residential Mitigation Program (CRMP))California Residential Mitigation Program (CRMP)SecondaryPrimaryJurisdiction CALast checked August 31, 2026Updates: as-revised-by-programID
crmp-retrofit-next-stepsWhat this source supports (5)
- The page states that the homeowner or contractor must get the building permit after the program acceptance date.
- The page lists, among the documents to be provided, an image of the signed building permit after the retrofit is complete and signed off.
- The page states that the Dashboard is where the homeowner uploads pre-retrofit and post-retrofit documents and photos for review, approval, and payment.
- The page states that the homeowner has six months from the day CRMP approval was received to schedule and complete the EBB or ESS retrofit.
- The page treats a completed residential seismic retrofit as an event evidenced by permit and photographic documentation rather than by the homeowner's recollection.
Active - [37]Regulation X, 12 CFR 1024.37 - Force-placed insurance(opens the original record on Consumer Financial Protection Bureau)Consumer Financial Protection BureauRegulatorPrimaryJurisdiction USLast checked August 31, 2026Updates: Amended by CFPB rulemaking; check the CFPB regulations page and official interpretations.ID
cfpb-1024-37What this source supports (12)
- Force-placed insurance means hazard insurance obtained by a servicer on behalf of the owner or assignee of a mortgage loan that insures the property securing such loan.
- The definition excludes hazard insurance required by the Flood Disaster Protection Act of 1973, hazard insurance obtained by a borrower but renewed by the servicer as described in 12 CFR 1024.17(k)(1), (2), or (5), and hazard insurance obtained by a borrower but renewed by the servicer at its discretion if the borrower agrees.
- A servicer may not assess a premium charge or fee related to force-placed insurance unless it has a reasonable basis to believe that the borrower has failed to comply with the mortgage loan contract's requirement to maintain hazard insurance.
- A servicer must deliver or place in the mail a written notice at least 45 days before assessing a force-placed insurance charge.
- The reminder notice must be delivered or mailed at least 30 days after the initial written notice and at least 15 days before the force-placed insurance charge is assessed.
- Except for charges subject to State regulation as the business of insurance and charges authorized by the Flood Disaster Protection Act of 1973, all charges related to force-placed insurance assessed to a borrower by or through the servicer must be bona fide and reasonable.
- Before assessing a charge or fee for renewing or replacing existing force-placed insurance, a servicer must deliver or mail a written notice at least 45 days before assessing that charge or fee.
- Regulation X defines force-placed insurance as hazard insurance obtained by a servicer on behalf of the owner or assignee of a mortgage loan that insures the property securing the loan.
- A servicer may not assess a force-placed insurance premium charge or fee on a borrower unless it has a reasonable basis to believe the borrower has failed to comply with the mortgage loan contract's requirement to maintain hazard insurance.
- A servicer must deliver to the borrower or place in the mail a written notice at least 45 days before assessing a force-placed insurance charge or fee.
- A servicer must deliver a reminder notice at least 15 days before assessing the charge or fee, and may not deliver it until at least 30 days after delivering or mailing the first written notice.
- Within 15 days of receiving evidence that the borrower has had in place the required hazard insurance coverage, the servicer must cancel the force-placed insurance it purchased and refund all force-placed insurance premium charges and related fees paid by the borrower for any period of overlapping coverage.
Fetched on 2026-08-31 and confirmed the definition and its three exclusions, the reasonable-basis condition, the 45-day initial notice, both legs of the reminder-notice timing, the 45-day renewal or replacement notice, and the limitation on charges. The definitional exclusion is phrased on the page as hazard insurance required by the Flood Disaster Protection Act of 1973. The limitation on charges carries its own two carve-outs, for charges subject to State regulation as the business of insurance and for charges authorized by the Flood Disaster Protection Act of 1973; a prior draft stated the bona fide and reasonable rule without them.
Active - [38]Regulation X, 12 CFR 1024.17(k)(5) - Timely payment of hazard insurance premium charges and prohibition of force placement(opens the original record on Consumer Financial Protection Bureau)Consumer Financial Protection BureauRegulatorPrimaryJurisdiction USLast checked August 31, 2026Updates: Amended by CFPB rulemaking; check the CFPB regulations page and official interpretations.ID
cfpb-1024-17-k5What this source supports (4)
- Where a borrower's hazard insurance premium charges are paid from an escrow account, a servicer may not purchase force-placed insurance unless the servicer is unable to disburse funds from that escrow account to ensure that the borrower's hazard insurance premium charges are paid in a timely manner.
- A servicer shall not be considered unable to disburse funds from the borrower's escrow account because the escrow account contains insufficient funds for paying hazard insurance premium charges.
- A servicer is unable to disburse funds only where it has a reasonable basis to believe that the borrower's hazard insurance has been canceled or was not renewed for reasons other than nonpayment of premium charges, or where the borrower's property is vacant.
- A small servicer as defined in 12 CFR 1026.41(e)(4) may purchase force-placed insurance where the cost to the borrower of that insurance is less than the amount the small servicer would need to disburse from the escrow account to ensure that the borrower's hazard insurance premium charges were paid in a timely manner, subject to the requirements of 12 CFR 1024.37.
Fetched on 2026-08-31 and read paragraph (k)(5). Added during this pass because the entry described the force-placed notice sequence without the escrow branch that limits force placement in the first place. This paragraph sits in 12 CFR 1024.17, not 1024.37, and 1024.37(a) cross-references it.
Active - [39]California Insurance Code Section 10089 (minimum coverages in the mandatory earthquake offer)(opens the original record on California Legislative Information (Legislative Counsel of California))California Legislative Information (Legislative Counsel of California)Primary lawPrimaryJurisdiction CALast checked August 31, 2026Updates: Amended only by act of the California Legislature.ID
ca-ins-code-10089What this source supports (7)
- Section 10089(a)(1) requires the offer to include dwelling coverage 'not including outbuildings, appurtenant structures, swimming pools, masonry fences and walls not necessary for the structural integrity of the dwelling, walkways and patios not necessary for regular ingress or egress from the dwelling, awnings or other patio coverings, decorative or artistic features including plaster if other covering would be more cost-effective, landscaping, or masonry chimneys, provided that the policy covers replacement of a damaged masonry chimney with a nonmasonry, earthquake resistant chimney.'
- Section 10089(a)(2) requires 'contents coverage either in an amount not less than 10 percent of the amount of the covered dwelling loss, or in an amount not less than five thousand dollars ($5,000)', and provides that the insurer elects which of the two contents coverages it will use at the time it files its rate application, after which the elected option must be offered to every policyholder who receives an offer under the chapter.
- Section 10089(a)(3) requires 'additional living expenses of an amount no less than one thousand five hundred dollars ($1,500) to cover expenses while the residential dwelling remains uninhabitable due to physical loss or damage from the peril of earthquake.'
- Section 10089(b), a separate subdivision from the (a) minimums, reads: 'Coverages provided in paragraphs (1) and (2) of subdivision (a) shall not contain a deductible of more than 15 percent of coverage provided for the dwelling.'
- Section 10089(c) permits the commissioner to approve rate applications allowing an insurer to offer coverage other than the coverage specified in the section, provided at least one coverage offered meets the section's criteria.
- Section 10089(d) permits the minimum additional living expenses coverage to be waived by the applicant or policyholder for a residential dwelling that is not owner occupied, if the insurer gives notice that the coverage is offered but may be waived and the waiver is in writing.
- The section carries the note 'Amended by Stats. 1995, Ch. 939, Sec. 4. Effective January 1, 1996.'
URL normalized to drop the trailing period after the section number. Full text of subdivisions (a) through (d) pulled and read on 2026-08-31. Effective: 1996-01-01
Active - [40]California Civil Code Section 5805 (member liability protection, conditioned on the association's general liability limits)(opens the original record on California Legislative Counsel (leginfo.legislature.ca.gov))California Legislative Counsel (leginfo.legislature.ca.gov)Primary lawPrimaryJurisdiction CAEffective January 1, 2014Last checked September 5, 2026Updates: Amended only by legislation. Added by Stats. 2012, Ch. 180, Sec. 2 (AB 805), effective January 1, 2013, operative January 1, 2014 by Sec. 3 of Ch. 180.ID
ca-civ-code-5805What this source supports (5)
- Section 5805(a) states the Legislature's intent to provide civil liability protection to owners of separate interests in common interest developments that have commonly owned tenancy-in-common property, provided the association maintains specified insurance coverage for tort causes of action.
- Section 5805(b) provides that a tort cause of action against an owner of a separate interest, brought solely by virtue of that owner's tenancy-in-common interest in the common area, shall be brought against the association and not against the individual owners, if both of the requirements in the subdivision are met.
- Section 5805(b)(1) requires that the association maintained and had in effect one or more policies of general liability insurance covering the cause of action.
- Section 5805(b)(2)(A) sets the required coverage at at least two million dollars ($2,000,000) where the common interest development consists of 100 or fewer separate interests.
- Section 5805(b)(2)(B) sets the required coverage at at least three million dollars ($3,000,000) where the common interest development consists of more than 100 separate interests.
The thresholds here are higher than the ones in section 5800 and they protect a different group. Section 5800 caps a volunteer director's personal exposure at the limits carried; section 5805 redirects a tort claim away from the individual owners entirely, and only where the association carries at least the amounts stated. Both are conditioned on insurance the association may or may not actually have, which is why the annual disclosure under section 5300 and the lapse notice under section 5810 matter to an owner rather than only to the board.
Active - [41]California Civil Code Section 5800 (volunteer director and officer liability, conditioned on the association's insurance)(opens the original record on California Legislative Counsel (leginfo.legislature.ca.gov))California Legislative Counsel (leginfo.legislature.ca.gov)Primary lawPrimaryJurisdiction CAEffective January 1, 2018Last checked September 5, 2026Updates: Amended only by legislation. Last amended by Stats. 2017, Ch. 278, Sec. 2 (AB 1412), effective January 1, 2018.ID
ca-civ-code-5800What this source supports (9)
- Section 5800(a) provides that a volunteer officer or director described in subdivision (e) of an association that manages a residential or mixed use common interest development shall not be personally liable in excess of the coverage of insurance specified in paragraph (4) to any person who suffers injury, including but not limited to bodily injury, emotional distress, wrongful death, or property damage or loss, as a result of the tortious act or omission of that volunteer officer or director, if all of the criteria in the subdivision are met.
- Section 5800(a)(1) through (a)(3) require that the act or omission was performed within the scope of the officer's or director's association duties, was performed in good faith, and was not willful, wanton, or grossly negligent.
- Section 5800(a)(4) requires that the association maintained and had in effect, both at the time the act or omission occurred and at the time a claim is made, one or more policies of insurance including coverage for general liability of the association and coverage for individual liability of officers and directors of the association for negligent acts or omissions in that capacity.
- Section 5800(a)(4)(A) and (a)(4)(B) set the minimum amounts for both types of coverage at at least five hundred thousand dollars ($500,000) where the common interest development consists of 100 or fewer separate interests, and at least one million dollars ($1,000,000) where it consists of more than 100 separate interests.
- Section 5800(b) provides that the payment of actual expenses incurred by a director or officer in the execution of the duties of that position does not affect that person's status as a volunteer within the meaning of the section.
- Section 5800(c) provides that an officer or director who at the time of the act or omission was a declarant, or who received direct or indirect compensation as an employee from the declarant or from a financial institution that purchased a separate interest at a judicial or nonjudicial foreclosure, is not a volunteer for purposes of the section.
- Section 5800(d) provides that nothing in the section shall be construed to limit the liability of the association for its own negligent act or omission or for any negligent act or omission of an officer or director of the association.
- Section 5800(e) limits the section to a volunteer officer or director who is a tenant of a residential separate interest in the common interest development, or is an owner of no more than two separate interests whose ownership in the development consists exclusively of residential separate interests.
- Section 5800(f)(1) provides that the scope of association duties for purposes of subdivision (a)(1) includes, but is not limited to, the decision whether to conduct an investigation of the common interest development for latent deficiencies prior to the expiration of the applicable statute of limitations, and the decision whether to commence a civil action against the builder for defects in design or construction.
The protection is a cap rather than an immunity, and the cap is the amount of insurance carried. An association that lets the directors and officers coverage lapse does not expose the association alone; it removes the ceiling on its volunteers' personal exposure. Note also that the section protects a narrow class: subdivision (e) excludes a director who owns three or more separate interests, and subdivision (c) excludes a declarant.
Active - [42]California Civil Code Section 5806 (required crime, employee dishonesty or fidelity bond coverage)(opens the original record on California Legislative Counsel (leginfo.legislature.ca.gov))California Legislative Counsel (leginfo.legislature.ca.gov)Primary lawPrimaryJurisdiction CAEffective January 1, 2022Last checked September 5, 2026Updates: Amended only by legislation. Last amended by Stats. 2021, Ch. 270, Sec. 3 (AB 1101), effective January 1, 2022.ID
ca-civ-code-5806What this source supports (5)
- Section 5806 requires that, unless the governing documents require greater coverage amounts, the association shall maintain crime insurance, employee dishonesty coverage, fidelity bond coverage, or their equivalent, for its directors, officers, and employees.
- Section 5806 sets the required amount at an amount that is equal to or more than the combined amount of the reserves of the association and total assessments for three months.
- Section 5806 requires that the coverage maintained by the association also include protection in an equal amount against computer fraud and funds transfer fraud.
- Section 5806 provides that if the association uses a managing agent or management company, the association's crime insurance, employee dishonesty coverage, fidelity bond coverage, or their equivalent, shall additionally include coverage for, or otherwise be endorsed to provide coverage for, dishonest acts by that person or entity and its employees.
- Section 5806 provides that self-insurance does not meet the requirements of the section.
This is the one insurance requirement in the Davis-Stirling Act stated as a duty on the association rather than as a condition of somebody's liability protection. Three features are routinely missed: the amount floats with reserves and assessments rather than being a fixed figure, so it has to be revisited as reserves grow; computer fraud and funds transfer fraud must be covered in an equal amount, which a plain fidelity bond may not do; and the managing agent must be brought inside the coverage, which is where the loss most often originates.
Active - [43]California Civil Code Section 5551 (inspection of exterior elevated elements: balconies, decks, stairways and walkways)(opens the original record on California Legislative Counsel (leginfo.legislature.ca.gov))California Legislative Counsel (leginfo.legislature.ca.gov)Primary lawPrimaryJurisdiction CALast checked September 5, 2026Updates: Amended only by legislation; verify the current text and the current deadline provisions on leginfo before relying on them.ID
ca-civ-code-5551What this source supports (6)
- Section 5551(a)(2) defines exterior elevated elements as the load-bearing components together with their associated waterproofing system.
- Section 5551(a)(3) defines load-bearing components as those components that extend beyond the exterior walls of the building to deliver structural loads to the building from decks, balconies, stairways, walkways, and their railings, that have a walking surface elevated more than six feet above ground level, that are designed for human occupancy or use, and that are supported in whole or in substantial part by wood or wood-based products.
- Section 5551(b)(1) requires the inspection to be performed by a licensed structural engineer or architect and to be carried out at least once every nine years.
- Section 5551(i) required the first inspection to be completed by January 1, 2025.
- Section 5551(k) requires that, for a building for which a certificate of occupancy was issued after the section's operative provisions applied, the inspection occur no later than six years following the issuance of that certificate of occupancy.
- Section 5551(g)(1) provides that where the inspector advises that an exterior elevated element poses an immediate threat to the safety of the occupants, the inspector shall provide a copy of the report to the association immediately and to the local code enforcement agency within 15 days, and the association shall take preventive measures immediately, including preventing occupant access to the exterior elevated element until repairs have been inspected and approved.
Recorded because it is now an underwriting input rather than only a compliance obligation. The definition is narrower than balcony: the walking surface must be more than six feet above ground level and the element must be supported in whole or substantial part by wood or wood-based products, so a concrete podium deck is outside it. The dates in subdivisions (i) and (k) are the ones most likely to move by amendment, and the effective date of the current text was not established at the time this record was written, which is why lastCheckedBasis is access rather than recheck.
Active - [44]California Civil Code Section 5300(b)(9) (the insurance summary in the annual budget report, and its required disclaimer)(opens the original record on California Legislative Counsel (leginfo.legislature.ca.gov))California Legislative Counsel (leginfo.legislature.ca.gov)Primary lawPrimaryJurisdiction CALast checked September 5, 2026Updates: Amended only by legislation; verify the current text on leginfo before relying on it.ID
ca-civ-code-5300What this source supports (6)
- Section 5300(b)(9) requires the annual budget report to include a summary of the association's property, general liability, earthquake, flood, and fidelity insurance policies.
- Section 5300(b)(9) requires that, for each policy, the summary include the name of the insurer, the type of insurance, the policy limit, and the amount of the deductible, if any.
- Section 5300(b)(9) requires the summary to be accompanied by a statement, in at least 10-point boldface type, that the summary provides only certain information as required by Section 5300 of the Civil Code and should not be considered a substitute for the complete policy terms and conditions contained in the actual policies of insurance.
- The required statement tells members that any association member may, upon request and provision of reasonable notice, review the association's insurance policies and, upon request and payment of reasonable duplication charges, obtain copies of those policies.
- The required statement tells members that although the association maintains the policies of insurance specified in the summary, the association's policies of insurance may not cover the member's property, including personal property or real property improvements to or around the dwelling, or personal injuries or other losses that occur within or around the dwelling.
- The required statement tells members that even if a loss is covered, the member may nevertheless be responsible for paying all or a portion of any deductible that applies, and that association members should consult with their individual insurance broker or agent for appropriate additional coverage.
The disclaimer is the most useful paragraph in the Davis-Stirling Act for an individual owner, and it is written by the Legislature rather than by an insurer or a broker. It says in the statute's own words that the association's policies may not reach the owner's improvements, personal property, or injuries at the dwelling, and that a covered loss can still leave the owner paying a deductible. Recorded here in the statute's terms; the amount of any particular association's deductible and who bears it under its governing documents are separate questions this record does not answer.
Active - [45]California Civil Code Section 5810 (notice to members when a disclosed policy lapses or changes)(opens the original record on California Legislative Counsel (leginfo.legislature.ca.gov))California Legislative Counsel (leginfo.legislature.ca.gov)Primary lawPrimaryJurisdiction CAEffective January 1, 2014Last checked September 5, 2026Updates: Amended only by legislation. Added by Stats. 2012, Ch. 180, Sec. 2 (AB 805), effective January 1, 2013, operative January 1, 2014 by Sec. 3 of Ch. 180.ID
ca-civ-code-5810What this source supports (3)
- Section 5810 requires the association, as soon as reasonably practicable, to provide individual notice pursuant to Section 4040 to all members if any of the policies described in the annual budget report pursuant to Section 5300 have lapsed, been canceled, and are not immediately renewed, restored, or replaced.
- Section 5810 requires that same individual notice if there is a significant change as to any of those policies, such as a reduction in coverage or limits or an increase in the deductible.
- Section 5810 requires that, if the association receives any notice of nonrenewal of a policy described in the annual budget report pursuant to Section 5300, the association shall immediately notify its members if replacement coverage will not be in effect by the date the existing coverage will lapse.
The trigger is not limited to cancellation. A reduction in limits or an increase in the deductible is a significant change and carries the same notice duty, which is the part most likely to go unreported in a hard market where a renewal is placed at lower limits rather than declined outright. The duty attaches only to policies described in the annual budget report, so what section 5300 discloses determines what section 5810 covers.
Active - [46]California Civil Code Section 4775 (who repairs, replaces and maintains what in a common interest development)(opens the original record on California Legislative Counsel (leginfo.legislature.ca.gov))California Legislative Counsel (leginfo.legislature.ca.gov)Primary lawPrimaryJurisdiction CAEffective January 1, 2025Last checked September 5, 2026Updates: Amended only by legislation. Last amended by Stats. 2024, Ch. 288, Sec. 1 (SB 900), effective January 1, 2025.ID
ca-civ-code-4775What this source supports (4)
- Section 4775(a)(1) provides that except as provided in paragraph (4), unless otherwise provided in the declaration of a common interest development, the association is responsible for repairing, replacing, and maintaining the common area.
- Section 4775(a)(3) provides that unless otherwise provided in the declaration of a common interest development, the owner of each separate interest is responsible for repairing, replacing, and maintaining that separate interest.
- Section 4775(a)(4) provides that unless otherwise provided in the declaration of a common interest development, the owner of each separate interest is responsible for maintaining the exclusive use common area appurtenant to that separate interest and the association is responsible for repairing and replacing the exclusive use common area.
- Section 4775(a)(1), (a)(3) and (a)(4) each open with the qualifier that they apply unless otherwise provided in the declaration, so the statutory allocation is a default that a particular development's declaration may displace.
This section is not an insurance provision and is the reason the insurance questions are hard. It splits maintaining from repairing and replacing on exclusive use common area: the owner maintains, the association repairs and replaces. Every clause is subject to the declaration, so a reading of the statute alone cannot tell any particular owner what they are responsible for. The record is here because the association's policy and the owner's policy are written against this split, and a gap between them usually traces to it.
Active - [47]Dwelling Property 3 - Special Form, Section I (DP 00 03 12 02)(opens the original record on CSAA / AAA carrier filing incorporating copyrighted Insurance Services Office material by permission; copy hosted by the Nevada Division of Insurance document library)CSAA / AAA carrier filing incorporating copyrighted Insurance Services Office material by permission; copy hosted by the Nevada Division of Insurance document libraryCarrier officialPrimaryJurisdiction USThird-party reproductionLast checked August 31, 2026Updates: Dwelling program forms are revised periodically and newer editions exist. Many carriers use proprietary landlord and rental dwelling forms that are not this form at all.ID
iso-dp-00-03-12-02-nvWhat this source supports (9)
- This DP 00 03 12 02 document defines "Described Location" as "the one to four family dwelling including structures attached to it, separate structures, and grounds, shown in the Declarations used principally for dwelling purposes." The definition contains no requirement that the named insured reside at the location.
- The property coverages in this DP 00 03 12 02 document are Coverage A Dwelling, Coverage B Other Structures, Coverage C Personal Property and Coverage D Fair Rental Value.
- Coverage D.1 of this DP 00 03 12 02 document reads: "If a loss to property described in Coverage A, B or C by a Peril Insured Against under this policy makes that part of the 'Described Location' rented to others or held for rental by you unfit for its normal use, we cover the fair rental value of that part of the 'Described Location' rented to others or held for rental by you less any expenses that do not continue while that part of the 'Described Location' rented or held for rental is not fit to live in." Payment is for the shortest time required to repair or replace that part.
- Coverage D.2 of this DP 00 03 12 02 document states that if a civil authority prohibits you from use of the "Described Location" as a result of direct damage to a neighboring location by a Peril Insured Against in the policy, "we cover the Fair Rental Value loss for no more than two weeks."
- Coverage D.4 of this DP 00 03 12 02 document states: "We do not cover loss or expense due to cancellation of a lease or agreement."
- Coverage B of this DP 00 03 12 02 document excludes other structures rented or held for rental to any person not a tenant of the dwelling, unless used solely as a private garage.
- This DP 00 03 12 02 document is headed "SECTION I" and contains only property coverages, perils insured against, exclusions and Section I conditions. A case-insensitive search of the full 13-page extracted text for "Section II", "personal liability", "medical payments", "Coverage L", "Coverage M" and "bodily injury" returns no coverage provisions. This is a statement about what is inside this one document; it is not evidence about what other forms a carrier may attach to the same policy.
- This DP 00 03 12 02 document excludes vandalism and malicious mischief, theft or attempted theft, and any ensuing loss caused by any intentional and wrongful act committed in the course of them, "if the dwelling has been vacant for more than 60 consecutive days immediately before the loss. A dwelling being constructed is not considered vacant."
- This DP 00 03 12 02 document contains a Condition C. Concealment Or Fraud withdrawing coverage where a person insured has intentionally concealed or misrepresented a material fact, engaged in fraudulent conduct, or made false statements relating to the insurance.
Downloaded 2026-08-31 (HTTP 200, application/pdf, about 58 KB). Text extracted locally with pdftotext -layout and read directly. Page 1 header reads "DWELLING / DP 00 03 12 02 / SECTION I / DWELLING PROPERTY 3 - SPECIAL FORM"; 13 pages. Every page footer reads "Includes copyrighted material of Insurance Services Office, With Its Permission Copyright, Insurance Services Offices, Inc., 2002", so this is a carrier filing that incorporates ISO material, not an ISO-published edition. The publisher field was corrected accordingly. Published: 2002-12-01 Effective: 2002-12-01
ActiveReproduction - [48]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-policyWhat 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 - [49]California Insurance Code section 331 (concealment)(opens the original record on California Legislative Information (Legislative Counsel of California))California Legislative Information (Legislative Counsel of California)Primary lawPrimaryJurisdiction CALast checked August 31, 2026Updates: Amended only by the Legislature; check leginfo for the current text before relying on it.ID
ca-ins-code-331What this source supports (2)
- California Insurance Code section 331 reads in full: "Concealment, whether intentional or unintentional, entitles the injured party to rescind insurance."
- The leginfo page for section 331 displays the note "(Enacted by Stats. 1935, Ch. 145.)".
Fetched 2026-08-31. Operative text read verbatim. Correcting an earlier draft note: the page does display an enactment note, "(Enacted by Stats. 1935, Ch. 145.)". Because that is a session-law citation rather than a calendar date, publishedDate is left as "unknown" and the enactment note is recorded as a claim instead. Section 331 sits within the Insurance Code's concealment and representation provisions; how it applies to any particular policy or claim is a legal question.
Active - [50]California Insurance Code section 359 (representation false in a material point)(opens the original record on California Legislative Information (Legislative Counsel of California))California Legislative Information (Legislative Counsel of California)Primary lawPrimaryJurisdiction CALast checked August 31, 2026Updates: Amended only by the Legislature; check leginfo for the current text before relying on it.ID
ca-ins-code-359What this source supports (2)
- California Insurance Code section 359 reads in full: "If a representation is false in a material point, whether affirmative or promissory, the injured party is entitled to rescind the contract from the time the representation becomes false."
- The leginfo page for section 359 displays the note "(Enacted by Stats. 1935, Ch. 145.)".
Fetched 2026-08-31. Operative text read verbatim. Correcting an earlier draft note: the page does display an enactment note, "(Enacted by Stats. 1935, Ch. 145.)". publishedDate is left as "unknown" for the same reason as section 331. How section 359 applies to any particular policy or claim is a legal question.
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