Homeowners InsuranceQuestion 116 of 158
Damage caused by earthquake is generally covered under a standard California homeowners policy only when:
a.An earthquake endorsement is added or a separate CEA policy is purchased
b.The insured is not at fault for the damage
c.The dwelling is less than 30 years old
d.The earthquake is a Governor-declared disaster
Explanation
Earth movement, including earthquake, is a standard exclusion. Coverage exists only when the insured adds an earthquake endorsement to the homeowners policy or purchases a separate California Earthquake Authority (CEA) or private earthquake policy.
Law Reference: ISO HO form Section I exclusionsPractice all 158 questions free — no signup required.
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