There are now several companies offering more comprehensive coverage, oftentimes at a lower cost than the State "C.E.A. Program". The most common questions are answered here.

Q. Which carriers are now offering earthquake coverage for 1-4 family dwellings?

A. There are several. The most competitive prices can be found through Geovera (owned by St. Paul Ins. Company), ACE American, Pacific Select, and Pacific Specialty. These carriers are A rated and admitted. In difficult to place situations the non admitted market is open through Lloyds of London, and others. The first choice of course is an "admitted" A rated carrier - but there are alternatives.

Q. What kind of coverage is available?

A.Basically there are two forms, with variations. The "STANDARD" form follows the CEA policy, in that it is meant to provide dwelling coverage (and includes $5,000 contents, and $1,500 loss of use coverage). The "COMPREHENSIVE" type policies add additional amounts for contents and loss of use. Policies come in 15%, 10%, and in rare cases 5% deductibles. You may also opt for a higher deductible for a discounted rates.

Q. Are all homes acceptable?

A. No. Brick homes, older homes (built prior to 1900), certain masonry construction types cannot be covered on most programs. Additionally, home built on stilts, or steep grades are limited in some programs. The best way to find out about your situation is to ask us.

Q. Do I have to have my homeowners insurance with your agency to buy earthquake coverage?

A. Absolutely NOT! We can write quake coverage as a stand-alone policy. However, while you're getting an earthquake quote from us, you may want to check out our comptitive homeowners rates at the same time! (Click Here for homeowners quotes).

Q. Why should I buy this coverage from you?

A. Our agency has been in business since 1945 and can service all your insurance needs. We work with you should there be additions, changes, or claims made on your policy. We know the earthquake marketplace well, and add NO brokerage fees on policies over $300.00 - the best value in the insurance marketplace at this time!

If you need a RUSH QUOTE, they are available by TELEPHONE if you call toll free: 1-877-41-BASIC, Monday-Friday (9:30am-4:00pm California time). We will give you figures right on the phone within minutes in most cases. You may also order a quote on the internet (follow link below), which is E-mailed to you within 24 hours in most cases. Remember, we use ADMITTED and PROTECTED CALIFORNIA companies, so your insurance investment is always safe and secure! Thanks again for using our Insurance Service!

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Thanks for using our services!

© 1998 (Basic West Insurance Agency, Inc.)

1641 Taraval Street - San Francisco, CA 94116
(415) 665-7400 - fax: (415) 665-7713
LIC#0664506
E-Mail us at:
basicwest@aol.com