Earthquake Coverages

Home:  A policy for a single family residence may include the following coverages:

• Dwelling: The structure and all permanently installed fixtures
• Other Structures: Structures not directly attached to your home (detached garages, guest homes, pools, walkways, etc.)
• Personal Property: The belongings inside your house
• Additional Living Expense: Pays if you have to live elsewhere while your house is being rebuilt (Important!)
• Building Codes & Ordinances: Pays for upgrades to, or demolition of, your home due to building ordinances

Condo or Townhome:  A policy for a condominium or townhome may include the following coverages:

• Dwelling: This is the unit owner's additions and alterations. May include floor and wall coverings, plumbing and lighting fixtures, cabinets, installed appliances and interior walls. Consult your CC&R's to find your responsibilities.
• Personal Property: The property inside your condo or townhome.
• Additional Living Expense: Pays if you have to live elsewhere while your house is being rebuilt. (Important!)
• Building Codes & Ordinances: Pays for upgrades to, or demolition of, your home due to building ordinances
• Earthquake Loss Assessment: Pays if you are assessed by your homeowners association for an earthquake loss.