Under §10086, an insurer that writes residential property coverage in California must do which of the following with respect to earthquake insurance?
a.Charge a flat statewide earthquake premium set by the Commissioner
b.Include earthquake coverage automatically with every homeowners policy
c.Refuse to write earthquake coverage in any high-risk ZIP code
d.Offer earthquake coverage at the original issuance and at every renewal
Explanation
Insurance Code §10086 (with §10081) requires every insurer writing residential property insurance to offer earthquake coverage at policy issuance and again at each renewal. The insured may decline the offer in writing; earthquake coverage is not automatic and is typically written through the California Earthquake Authority.
Law Reference: Cal. Ins. Code §10086, §10081This 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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