Residential Earthquake

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Residential Earthquake Insurance

At a time when most other insurance companies are offering very limited earthquake policies in California, Coastal Select Insurance Company offers a variety of products designed to fit within your budget and help you tailor your earthquake coverage to meet your family's needs. Coastal Select estimates the minimum amount of insurance that a California homeowner may need to rebuild their home after an earthquake. The estimate includes the increased building costs for labor and materials following a catastrophic event such as an earthquake.

California homeowners may be eligible for earthquake insurance through GeoVera Insurance Company, a subsidiary of GeoVera Holdings, Inc. Please contact our Customer Service Department at 1-800-324-6020 if you are interested in obtaining an alternative quote, or visit www.geovera.com.

PREMIER EQ PROTECTOR™

Our most comprehensive policy, the Premier EQ Protector™ goes beyond the coverages available in most earthquake polices in California. Designed for customers interested in protecting their valuable assets, Premier EQ Protector™ provides coverages for your home, appurtenant structures such as detached garages and patios, and personal property. This combined with Loss of Use and Building Ordinance coverage and a low deductible of 10% (and, for some areas, 15% with a lower premium), make the Premier EQ Protector™ one of the best policies available.

SECURITY EQ PROTECTOR™

The Security EQ Protector™ was designed for homeowners interested in protecting their most valuable asset, their home, from the catastrophic loss of an earthquake without some of the additional coverage features offered in our Premier EQ Protector™ policy. The Security EQ Protector™ provides coverage for the replacement cost of the dwelling with limited coverage for Personal Property and Loss of Use. Building Ordinance coverage is also provided for security from additional expenses associated with rebuilding to current code in the event of a covered loss.

CONDO EQ PROTECTOR™

Coastal Select Insurance Company understands the unique insurance needs of condominium owners. You need protection for your valuable personal property, building enhancements in your unit, and any loss assessments made by your association resulting from damage caused by an earthquake. The Condo EQ Protector™ is designed specifically to meet these needs. With broader coverage and lower deductibles than available on most standard condominium earthquake policies, the Condo EQ Protector™ reduces your out-of-pocket expense and helps ensure you will be covered in the event of an earthquake loss.

RESIDENTIAL EARTHQUAKE COVERAGE COMPARISON CHART

 

TYPE OF COVERAGE	PREMIER EQ PROTECTOR™	SECURITY EQ PROTECTOR™	CONDO EQ PROTECTOR™
Coverage A: Dwelling	Damage to the dwelling structure covered up to the Coverage A limit. Includes sublimits and exclusions for some types of property.	Damage to the dwelling structure covered up to the Coverage A limit. Includes sublimits for some types of property.	Damage to additions, alterations, appliances, fixtures, and improvements which are part of the building contained within the residence premises as well as real property used exclusively by you up to a limit of $25,000.
Coverage B: Appurtenant Structures	Up to 10% of the Coverage A limit. Includes sublimits and exclusions for some types of appurtenant structures.	Not covered	Not covered
Coverage C: Personal Property	Up to 50% of the Coverage A limit. Includes sublimits and exclusions for some types of personal property.	Up to a limit of $5,000. Includes sublimits and exclusions for some types of personal property.	Up to the Coverage C limit. Includes sublimits and exclusions for some types of personal property.
Coverage D: Loss of Use	Up to 20% of the Coverage A limit or $25,000, whichever is less.	Up to a limit of $1,500.	Up to a limit of $2,500.
Coverage E: Building Code Upgrade	Up to $10,000 if the dwelling meets the definition for earthquake hazard reduction.	Up to $10,000 if the dwelling meets the definition for earthquake hazard reduction.	Not covered
Coverage F: Loss Assessment	Up to $10,000 for loss assessment charged by an association of property owners.	Not covered	Up to $5,000 for loss assessment charged by a condominium association.
Other Coverages:	Demolition and debris removal and engineering costs. Includes sublimits and exclusions.	Debris removal and reasonable costs to prevent further damage. Includes sublimits and exclusions.	Debris removal and reasonable costs to prevent further damage. Includes sublimits and exclusions.
Deductible:	10% or 15% applies separately to Coverages A, B, C, D and E.	15% applies to the dwelling replacement value / Coverage A limit in the policy. Coverage does not apply until the amount of dwelling damage exceeds the deductible, except for loss of use. No deductible for Loss of Use coverage.	10% applies separately to Coverages A, C and F. No deductible for Loss of Use Coverage.

This is not an insurance policy. Actual coverage is governed by the language of the policy. Exclusions apply.