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We Provide Earthquake Insurance for Californians

What are my deductible options?

Policyholders can choose deductibles of 5%, 10%, 15%, 20% or 25% on all coverages that carry a deductible.

For Homeowners, you have two choices of policies: Homeowners Choice or standard Homeowners . With Homeowners Choice, you have the option of adding Personal Property with a separate deductible--this feature can allow a personal property payment, even if your house isn't substantially damaged.

  • With Homeowners Choice , you buy dwelling coverage, but may also insure personal property, cover additional living expenses, or both.
  • Standard Homeowners policy includes dwelling, personal property and additional living expense coverages.
  • The first $1,500 in Emergency Repairs, as well as the cost to live elsewhere while your residence is being repaired, come with no deductible.