​If you have a policy that began or renewed in 2015, you have one of the following policy types:

  • Building Property (condo unit)
  • Personal Property and Loss of Use
  • Earthquake Loss Assessment

Features include:

  • Building property (condo interior) is covered for $25,000 with a flat $3,750 deductible.
  • Building Code Upgrade coverage of $10,000 to help bring your condo unit up to current building code while making covered repairs, with an additional coverage limit of $10,000 when you purchase Building Property coverage. No deductible after the dwelling deductible has been met. Loss Assessment also includes $10,000 for covered building code upgrade assessments from your homeowners association. (Sublimits for certain coverages apply. Check out a sample policy for more details.)
  • Personal Property (belongings like TVs and furniture) – up to $100,000 with a flat $750 deductible.
  • After the Building Property (condo interior) deductible is met, Emergency Repairs for things like repairing broken windows are covered up to $1,500. Emergency Repairs to personal belongings are covered up to $1,000 after the Personal Property deductible is met.
  • Loss of Use—the costs to live elsewhere following an earthquake—is covered up to $25,000 without a deductible. This coverage and Personal Property must be purchased together.
Condo Policy

 Coverage Type

Included Optional Deductibles
Building Property X$3,750

​Building Code Upgrade*

(Costs to bring your home up to current building code while making covered repairs)

​X​​None after Dwelling deductible has been met
Personal Property**

​ X​

Loss of Use** 


Earthquake Loss Assessment  X15% of coverage

Emergency Repairs***

1. Repairs to condo unit

​2. Repairs to personal property






 1. $3,750

2. $750

*Coverage is only included if you have Building Property coverage, Earthquake Loss Assessment coverage, or both.

​**Personal Property and Loss of Use coverages are sold together​.

***Coverage is only included if you have Building Property coverage, Personal Property coverage, or both.

​ ​

​Read your CEA policy carefully

We encourage you to read your entire CEA policy to understand what is covered and what is not. Exclusions and special limits apply.


All details, limits, and conditions of CEA coverages are found in CEA insurance policies. Refer to a Sample Policy, below, for current CEA policy language.