Homeowners InsuranceQuestion 112 of 158
California Insurance Code §10081 requires an insurer that writes a residential property policy to do what regarding earthquake coverage?
a.Automatically include earthquake coverage at no extra premium
b.Refuse to write any policy without earthquake coverage
c.Make a mandatory written offer of earthquake coverage
d.Refer all earthquake business to FEMA
Explanation
California Insurance Code §10081 and following sections require insurers that write residential property to make a mandatory written offer of earthquake coverage. The insured may accept or reject in writing, and the offer must be made at least every other renewal.
Law Reference: CIC §10081 et seq.Practice all 158 questions free — no signup required.
Related questions on this topic
- What is the minimum standard limit for Coverage E (Personal Liability) on a typical homeowners policy?
- Coverage F (Medical Payments to Others) on a standard homeowners policy is BEST described as:
- Under an open-perils (special form) policy, who has the burden of proof when a loss occurs?
- The California Earthquake Authority (CEA) is BEST described as:
- After a Governor-declared wildfire disaster, for how long does California Insurance Code §675.1 prohibit an insurer from non-renewing a residential property policy because of the property's location in the affected area?
- Which of the following losses is EXCLUDED under a standard homeowners policy without an additional endorsement or separate policy?
Last reviewed: · editorial process
PrepPass Editorial Team · Verified against California Personal Lines Insurance License Exam · How we review