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Under Cal. Ins. Code § 10081, after the initial mandatory offer of earthquake coverage on a California residential property policy, how often must the insurer renew the offer?

Q: Under Cal. Ins. Code § 10081, after the initial mandatory offer of earthquake coverage on a California residential property policy, how often must the insurer renew the offer?

At least every two years (biennially) — The mandatory-offer statute applies to every insurer writing residential property coverage on a 1-4 unit dwelling, a condo unit, or a mobile home in California. The carrier must offer either a CEA participating policy (if it is a CEA member) or its own stand-alone earthquake form. The offer must be in writing, and the insured's election (acceptance or rejection) is documented. The renewal-offer cadence is at least biennial — not every renewal, not just at inception.

At least every two years (biennially)

BAnnually with each renewal

COnly once, at initial issuance

DEvery five years, matching the CEA reauthorization cycle

Why this is the answer

The mandatory-offer statute applies to every insurer writing residential property coverage on a 1-4 unit dwelling, a condo unit, or a mobile home in California. The carrier must offer either a CEA participating policy (if it is a CEA member) or its own stand-alone earthquake form. The offer must be in writing, and the insured's election (acceptance or rejection) is documented. The renewal-offer cadence is at least biennial — not every renewal, not just at inception.

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