Coverage classification
- Form type
- Endorsements
- Topics
- PropertyEarthquake
- Product lines
- HomeownersRenters
Compare Earthquake coverage forms
| Form | Intent | Coverage context | Notable terms |
|---|---|---|---|
Economy Fire and Casualty CompanyEarthquake Coverage H51700 1st Edition Homeowners | Adds earthquake coverage to specified dwelling, separate structures, personal property and loss of use coverages. | Treats one or more shocks within 72 hours as a single earthquake. | Excludes specified flood and exterior masonry veneer losses; the earthquake deductible applies separately to certain coverages but not loss of use. |
Lemonade Insurance CompanyEarthquake Coverage LIC-RN-EQ (02-26) Renters | Adds earthquake coverage for direct physical loss to covered property. | Includes specified land shock waves or tremors related to volcanic eruption and treats shocks within 72 hours as one earthquake. | Excludes specified flood and tidal wave losses and calculates the deductible as 15% of the personal property limit; it does not apply to loss of use or additional coverage limits. |
Notable clauses
“No deductible applies to Coverage D (Loss of Use).”
Economy Fire and Casualty Company · Earthquake Coverage · H51700 1st Edition
Loss of use deductible. The form applies the earthquake deductible separately to other listed coverages.
“calculated as 15% of the Personal Property limit”
Lemonade Insurance Company · Earthquake Coverage · LIC-RN-EQ (02-26)
Earthquake deductible. The renters form bases its earthquake deductible on the personal property limit shown in the declarations.
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