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.Make a mandatory written offer of earthquake coverage
b.Refer all earthquake business to FEMA
c.Refuse to write any policy without earthquake coverage
d.Automatically include earthquake coverage at no extra premium
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
Sen Lin, PrepPass Founder · Verified against California Personal Lines Insurance License Exam · How we review