Residential Earthquake
Insurance
The Burke Insurance Agency offers several policies to match your coverage
needs:
Condo
EQ Earthquake Policy
(For
Condo Unit or Townhome Owners)
Coverage A (Building Additions and Alterations) is included with
a limit of $25,000
Loss
Assessment is included with a limit of $5000
Loss
of Use is included with a limit of $2500
Coverage C (Personal Property limit must match the companion HO-6
Policy limit)
View Sample Policy (PDF
- Requires Acrobat Reader)
Standard
EQ Earthquake Policy
Our basic policy covering damage to the dwelling structure up to the limit
set in Coverage A .
Coverage B - this policy offers no coverage for appurtenant
structures .
Coverage C - Damage to personal property covered up to a limit
of $5,000 subject to the limits of the policy.
Coverage D - Loss of use provided up to a limit of $1,500.
Coverage E - Provides coverage up to $10,000 if the dwelling meets
the definintion for earthquake hazard reduction.
Coverage F - Loss Assessment is not covered .
No deductible applies for loss of use coverage.
View Sample Policy (PDF
- Requires Acrobat Reader)
Superior
EQ Earthquake Policy
Coverage A - Damage to the dwelling structure covered up to the Coverage
A limit.
Coverage B - Damage to appurtenant structures covered up to 10%
of the Coverage A limit.
Coverage C - Damage to personal property covered up to 50% of the
Coverage A limit.
Coverage D - Loss of Use coverage provided up to 20% of
the Coverage A limit or $25,000 whichever is less.
Coverage E - Provides coverage for up to $10,000 if the dwelling
meets the definition for earthquake hazard reduction.
Coverage F - Provides coverage for up to $10,000 for loss assessment
charged by an association of property owners.
View Sample
Policy
(PDF - Requires
Acrobat Reader)
Superior
EQ Plus Earthquake Policy
Coverage A - Damage to the dwelling structure covered up to the Coverage
A limit.
Coverage B - Damage to appurtenant structures covered up to 10%
of the Coverage A limit.
Coverage C - Damage to personal property covered up to 50% of the
Coverage A limit.
Coverage D - Loss of Use coverage provided up to 20% of
the Coverage A limit or $100,000 whichever is less.
Coverage E - Provides coverage for up to $10,000 if the dwelling
meets the definition for earthquake hazard reduction.
Coverage F - Provides coverage for up to $10,000 for loss assessment
charged by an association of property owners.
Click
here
to learn more about the additional
benefits of the Plus Endorsement...
View Sample
Policy (PDF
- Requires Acrobat Reader)
Coverage
Definitions
Coverage A
Is the amount ofcoverage for loss to a dwelling or residential structure
owned by the insured.
Coverage B Is the amount ofcoverage for loss to appurtenant
structures owned by the insured.
Coverage C Is the amount ofcoverage for personal property
owned or used by the insured.
Coverage D Is the amount ofcoverage for alternate living arrangements
if the dwelling is unfit to live in as a result damage.
Coverage E Is the amount ofcoverage for upgrading the quake
damaged dwelling to new building codes if required.
Coverage F Is the amount of coverage for debris removal and
demolition among other things.