Common deductible options
CEA homeowner references list 5%, 10%, 15%, 20%, and 25% deductible options, with restrictions for homes over $1,000,000 and certain older unretrofitted raised or non-slab foundations.
Premium versus claim outcome
Lower deductibles usually cost more, but they can materially change whether a moderate earthquake loss produces a claim payment.
Separate coverage parts
Depending on policy form, personal property and loss of use may be handled differently from dwelling coverage. The application captures requested limits so a broker can compare terms.