What to know
Slab-on-grade homes raise different underwriting questions than raised, post-and-pier, stem-wall, basement, or mixed foundations.
Earthquake insurance should be reviewed around the actual property, not only the county or ZIP code. Replacement cost, foundation, construction, year built, deductible, retrofit status, and prior damage can all change the conversation.
How the Best Earthquake wizard handles it
- Captures current homeowners carrier, policy number, Coverage A, and expiration date.
- Collects requested earthquake dwelling, contents, loss of use, building code upgrade, and deductible preferences.
- Documents construction, foundation, hillside or fill conditions, masonry, bolting, bracing, retrofit verification, and loss history.
- Generates a filled Covwell application PDF for broker review.
Indication only
The pricing range is preliminary. It is not an offer, binder, or policy. Final terms require underwriting, carrier appetite, inspection or documentation when requested, and the applicable policy form.