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  "contentVersion": "2026.08.31",
  "generatedFor": "2026-09-06",
  "operator": {
    "legalName": "WJB Services, Inc.",
    "dba": "Bollinsure Insurance Services",
    "license": "6013787",
    "licenseAuthority": "California Department of Insurance"
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  "license": "Text on this page may be quoted with attribution and a link to the canonical URL.",
  "notice": "Public page facts only. This record contains no visitor question, no tool input, and no identifier. It is not a coverage determination, an eligibility decision, or individualized advice.",
  "title": "California Insurance Code section 10081 (mandatory offer of earthquake coverage)",
  "publisher": "California Legislative Information (official)",
  "url": "https://leginfo.legislature.ca.gov/faces/codes_displaySection.xhtml?lawCode=INS&sectionNum=10081",
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  "sourceType": "statute",
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  "jurisdiction": "CA",
  "publishedDate": "unknown",
  "effectiveDate": "unknown",
  "accessedDate": "2026-08-31",
  "lastChecked": "2026-08-31",
  "updateCadence": "amended only by legislation; re-check leginfo annually",
  "status": "active",
  "supportsClaims": [
    {
      "claimId": "ca-ins-code-10081#c1",
      "canonicalUrl": "https://bestinsuranceresearch.com/sources/ca-ins-code-10081#c1",
      "checksum": "1799a0e087d9",
      "text": "No policy of residential property insurance may be issued or delivered or, with respect to policies in effect on the effective date of this chapter, initially renewed in this state by any insurer unless the named insured is offered coverage for loss or damage caused by the peril of earthquake as provided in this chapter."
    },
    {
      "claimId": "ca-ins-code-10081#c2",
      "canonicalUrl": "https://bestinsuranceresearch.com/sources/ca-ins-code-10081#c2",
      "checksum": "7a5628008a12",
      "text": "The earthquake coverage may be provided in the residential property policy itself by specific policy provision or endorsement, or in a separate policy or certificate of insurance covering earthquake alone or in combination with other perils."
    },
    {
      "claimId": "ca-ins-code-10081#c3",
      "canonicalUrl": "https://bestinsuranceresearch.com/sources/ca-ins-code-10081#c3",
      "checksum": "a189340c87c5",
      "text": "The section was added by Stats. 1984, Ch. 916, Sec. 1."
    },
    {
      "claimId": "ca-ins-code-10081#c4",
      "canonicalUrl": "https://bestinsuranceresearch.com/sources/ca-ins-code-10081#c4",
      "checksum": "578e349bd7f3",
      "text": "Section 10081 reads: 'No policy of residential property insurance may be issued or delivered or, with respect to policies in effect on the effective date of this chapter, initially renewed in this state by any insurer unless the named insured is offered coverage for loss or damage caused by the peril of earthquake as provided in this chapter.'"
    },
    {
      "claimId": "ca-ins-code-10081#c5",
      "canonicalUrl": "https://bestinsuranceresearch.com/sources/ca-ins-code-10081#c5",
      "checksum": "a015a460959d",
      "text": "Section 10081 continues: 'That coverage may be provided in the policy of residential property insurance itself, either by specific policy provision or endorsement, or in a separate policy or certificate of insurance which specifically provides coverage for loss or damage caused by the peril of earthquake alone or in combination with other perils.'"
    },
    {
      "claimId": "ca-ins-code-10081#c6",
      "canonicalUrl": "https://bestinsuranceresearch.com/sources/ca-ins-code-10081#c6",
      "checksum": "7da8054d0bc7",
      "text": "The section sits in CHAPTER 8.5. Earthquake Insurance [10081 - 10089.4], added by Stats. 1984, Ch. 916, Sec. 1."
    },
    {
      "claimId": "ca-ins-code-10081#c7",
      "canonicalUrl": "https://bestinsuranceresearch.com/sources/ca-ins-code-10081#c7",
      "checksum": "91a43d9bc711",
      "text": "The 'initially renewed' clause in Section 10081 is qualified by the phrase 'with respect to policies in effect on the effective date of this chapter'; Section 10081 does not by its own terms impose an offer duty at every renewal."
    },
    {
      "claimId": "ca-ins-code-10081#c8",
      "canonicalUrl": "https://bestinsuranceresearch.com/sources/ca-ins-code-10081#c8",
      "checksum": "506833110e64",
      "text": "California Insurance Code section 10081 provides that no policy of residential property insurance may be issued or delivered or, with respect to policies in effect on the effective date of the chapter, initially renewed in the state by any insurer unless the named insured is offered coverage for loss or damage caused by the peril of earthquake as provided in the chapter."
    },
    {
      "claimId": "ca-ins-code-10081#c9",
      "canonicalUrl": "https://bestinsuranceresearch.com/sources/ca-ins-code-10081#c9",
      "checksum": "5c7dff89cec6",
      "text": "Section 10081 allows the earthquake offer to be satisfied by a provision or endorsement within the residential property insurance policy, or by a separate policy or certificate covering the peril of earthquake alone or together with other perils."
    }
  ],
  "reliedOnBy": [
    {
      "kind": "Question",
      "title": "Does homeowners insurance cover earthquake damage in California?",
      "url": "https://bestinsuranceresearch.com/questions/homeowners-earthquake-california"
    },
    {
      "kind": "Coverage",
      "title": "Homeowners insurance",
      "url": "https://bestinsuranceresearch.com/insurance/homeowners"
    },
    {
      "kind": "Coverage",
      "title": "Landlord / rental dwelling insurance",
      "url": "https://bestinsuranceresearch.com/insurance/landlord-rental-dwelling"
    },
    {
      "kind": "Coverage",
      "title": "Residential earthquake insurance (California)",
      "url": "https://bestinsuranceresearch.com/insurance/residential-earthquake-california"
    },
    {
      "kind": "State",
      "title": "California",
      "url": "https://bestinsuranceresearch.com/states/california"
    },
    {
      "kind": "Module",
      "title": "Residential Property Position (2 checks)",
      "url": "https://bestinsuranceresearch.com/tools/property-position"
    },
    {
      "kind": "Module",
      "title": "California Earthquake Coverage (6 checks)",
      "url": "https://bestinsuranceresearch.com/tools/earthquake-pathways"
    }
  ],
  "reliedOnByCount": 7,
  "citation": {
    "text": "California Legislative Information (official). \"California Insurance Code section 10081 (mandatory offer of earthquake coverage).\" unknown. https://leginfo.legislature.ca.gov/faces/codes_displaySection.xhtml?lawCode=INS&sectionNum=10081 (retrieved 2026-08-31).",
    "viaThisSite": "BestInsurance Research source record ca-ins-code-10081, content version 2026.08.31. https://bestinsuranceresearch.com/sources/ca-ins-code-10081",
    "note": "Cite the underlying source when you can. Cite this record when you are describing our synthesis or our claim list."
  }
}