Premier
EQ ProtectorSMOur most comprehensive policy, the Premier EQ ProtectorSM goes beyond the coverages available in most earthquake polices in California. Designed for customers interested in protecting their valuable assets, Premier EQ ProtectorSM provides coverages for your home, appurtenant structures such as detached garages and patios, and personal property. This combined with Loss of Use and Building Ordinance coverage and a low deductible of 10% (and, for some areas, 15% with a lower premium), make the Premier EQ ProtectorSM one of the best policies available.*
| The Premier Advantage EQ ProtectorSM Compare and See the Difference |
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TYPE OF COVERAGE |
BASIC
EARTH- QUAKE POLICY |
PREMIER
EQ PROTECTORSM |
| Dwelling coverage |
Yes |
Yes |
| Other Structures (Detached garage, patio, fences etc.) |
No |
Yes |
| Personal Property |
$5,000 |
50%
of Dwelling Coverage |
| Loss of Use (living expenses should you be forced to live in temporary housing due to a covered loss) |
$1,500 |
20%
of Dwelling coverage or $25,000 whichever is less |
| Building Code Upgrade (to rebuild your dwelling to meet current code requirements) |
$10,000 |
$10,000 |
| Loss Assessment (loss damage assessed to members of a homeowners association) |
No |
$10,000 |
| Deductible | 15%
(Example: $200,000 home; loss to dwelling due
to earthquake must exceed $30,000 before coverage applies) |
10% or 15% applies
separately to each coverage (10%
Example: $200,000 home; the loss to dwelling due to earthquake must
exceed only $20,000 before coverage applies; a 5% deductible is
also available in some areas) |
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