Excluded, not just sub-limited
Most property forms do not cap earthquake damage — they remove it entirely.
EQ
Earthquake is excluded on essentially every homeowners and commercial property form.
Cennairus is a licensed wholesale insurance broker: retail agents send us the accounts their own markets cannot place, stay the agent of record, and we take each account to the markets on our panel of 145 carriers that write it. Earthquake insurance covers ground shaking, which almost every homeowners and commercial property form excludes by name. It is written as its own policy or, with some carriers, as an endorsement, and its deductible is usually a percentage of the insured value rather than a flat amount. Cennairus places it for homes and commercial buildings; we shop it across the panel.
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Most property forms do not cap earthquake damage — they remove it entirely.
Earthquake deductibles usually run as a percentage of the building’s insured value rather than a flat number — exactly the kind of detail that should not.
Homes, rental dwellings and commercial buildings carry the same exclusion on their base form, and all three can be written here.
Availability and pricing track seismic zones closely.
Written as its own policy or attached to the property placement already in progress.
Homes, rentals and commercial buildings alike.
Percentage deductibles are where clients get surprised — we put the number in front of them.
Who buys it: homeowners in seismically active states; owners of older or unreinforced masonry buildings; commercial property owners near known fault lines; hoas and condo associations required to carry it; investors and landlords protecting rental structures; businesses whose lender requires it as a loan condition.
The deductible on an earthquake policy is usually a percentage, not a flat number — worth walking through with the client before the ground moves, not after.
Sometimes, depending on the form and carrier.
It is typically a percentage of the insured value rather than a flat dollar amount, which can produce a much larger number than a client expects if no one walks them through it first.
Generally yes — fire following an earthquake is usually picked up by the property policy’s standard fire coverage even where the shake damage itself is excluded.
Address and seismic zone, year built, construction type and any retrofit work, the prior policy, and the deductible level the client wants to see.
One appointment puts the whole panel behind your agency: every line we place, the programs, the producers who work the hard accounts, and your commission settled to your.
