Homeowners Policy (HO)Question 112 of 474
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.This topic, taught in full in the Personal Lines Insurance Producer guide. Personal Lines Insurance Producer — Complete Study Guide (2026) — PDF + EPUB, $19.99 · 14-day refund →
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