Under California Insurance Code §10081, when must an insurer that writes residential property insurance offer earthquake coverage to the applicant or insured?
Explanation
California Insurance Code §10081 requires every insurer that writes residential property insurance in California to offer earthquake coverage at the time the policy is first issued, and again at least once every other renewal (i.e., every two years). Most insurers satisfy the requirement by referring the buyer to the California Earthquake Authority (CEA) for a separate companion policy.
Law Reference: Cal. Ins. Code §10081 (mandatory offer of earthquake insurance)This topic, taught in full in the California Property & Casualty Broker-Agent guide. California Property & Casualty Broker-Agent Study Guide — 2026 Edition — PDF + EPUB, $24.99 · 14-day refund →
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