Is your customer’s condo unit ready for the next earthquake?
CEA condominium earthquake insurance policies provide your customers with the strength they need to recover from a damaging earthquake.
Talk to your customer about the CEA earthquake-coverage options that fit their needs and budget. And use our premium calculator to help get them a quick earthquake insurance price estimate.
Did you know?
Earthquake damage and loss isn’t covered by condo-unit or HOA insurance.
A CEA earthquake insurance policy can help pay for damages to the inside of your customer's unit and belongings.
CEA condo unit coverage options*
Building Property**
Helpful when the inside of your customer's condo unit is damaged, such as interior walls or fixtures.
Personal Property**
Coverage to repair or replace your customer's covered personal belongings if they are damaged in an earthquake.
Loss of Use
A necessity for additional living expenses if your customer must live outside their unit because of earthquake damage or as directed by a civil authority. This coverage never has a deductible.
Loss Assessment
Up to their chosen coverage limit, Loss Assessment coverage helps pay your customer's share of certain assessments levied by their HOA on its members for earthquake-damage repairs or to pay a master-policy deductible. This coverage can help with charges for repairs to the exterior of your customer's condo development or certain common areas, as well as building code upgrades. Useful when certain charges get passed on to your customer by their HOA after an earthquake.
Building Code Upgrades
Helps cover the costs to get your customer's condo unit up to current building code standards.
Emergency Repairs
Handy coverage when your customer needs to make urgent, necessary repairs after an earthquake to help protect their unit from further damage, such as plywood to board up damaged windows.
Breakables
This coverage helps replace insureds’ valuable fragile personal property like wedding china, glassware, crystal, ceramic, pottery, porcelain, or marble items that are broken because of an earthquake. Available for new and renewal policies written on or after January 1, 2025.
Get more details about our condo policy coverages and deductibles.
Ready to sell a CEA policy?
*We encourage you to read the entire CEA policy—and its policy declarations page—to understand coverages and how they work. Exclusions and special limits apply. All terms and conditions of CEA insurance coverage are found in the CEA insurance-policy form. Refer to a sample policy, below.
Learn more by taking a free agent training course. Licensed California agents can earn CE credits.
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