What it does
Removes the earth movement exclusion for earthquake for the covered property, with a separate percentage deductible and coverage subject to its own conditions.
Who needs it
Homeowners in seismic areas, and lenders that require earthquake coverage.
Quoting and selling notes
- In California, carriers offer earthquake through the California Earthquake Authority or state-specific forms.
- Masonry veneer and older construction may be excluded or rated differently.
Editions and availability
Editions in use and where they apply: 03 22 (42 jurisdictions); 05 11 (8 jurisdictions: AL, CT, GA, HI, LA, TX, VI, WA).
Homeowners endorsements are built for a specific program edition. When a carrier moves a state from the 2011 (05 11) program to the 2022 (03 22) program, the endorsement editions move with it, so match the endorsement edition to the policy form edition shown on the declarations.
