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CEA Homeowners Earthquake Insurance Policies

older couple laughing togetherIs your house ready for the next big earthquake?

CEA homeowners earthquake insurance policies provide the strength you need to recover from a damaging earthquake.

Get a quick earthquake insurance price estimate using our premium calculator. And talk to your residential insurer about the CEA earthquake-coverage options that fit your needs and budget. They will also help you purchase your CEA policy.

Did you know?
Your standard homeowners policy doesn’t cover earthquake damage.

Get a CEA earthquake policy to cover your home and belongings. Contact your residential insurance company today! 

CEA homeowners coverage options*

Home (dwelling) -

Home (dwelling)

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Can be purchased alone or with other coverages. Covers earthquake damage to your house and structures attached to it, like your garage.
Personal Property -

Personal Property

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Coverage to repair or replace your covered personal belongings if they are damaged in an earthquake.
Loss of Use -

Loss of Use

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A necessity for additional living expenses if you must live outside your home because of earthquake damage or as directed by a civil authority. This coverage never has a deductible.
Building Code Upgrade -

Building Code Upgrade

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Rebuilding after an earthquake generally must be done to current building-code standards—this coverage helps with the added costs.
Emergency Repairs -

Emergency Repairs

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Handy coverage when you need to make urgent, necessary repairs after an earthquake to help protect your house from further damage, such as plywood to board up damaged windows. The first $1,500 has no deductible.
Breakables -


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Useful coverage if glassware, crystal, china, ceramic, pottery, porcelain, or marble items are broken because of an earthquake.
Exterior Masonry Veneer -

Exterior Masonry Veneer

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Coverage for earthquake damage to certain exterior veneers like brick, concrete, stone, tile, or similar material attached as ornamentation.

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Read Your CEA Policy Carefully

*We encourage you to read your entire CEA policy—and its policy declarations page—to understand your coverages and how they work. Exclusions and special limits apply. All terms and conditions of CEA insurance coverage are found in the CEA insurance-policy form. Refer to a sample policy, below.

Homeowners Choice Policy Sample (PDF)
Standard Homeowners Policy Sample (PDF)
Optional Endorsement - Coverage For Breakables (PDF)
Optional Endorsement - Coverage For Exterior Masonry Veneer (PDF)

Homeowners Insurance FAQs

We've gathered some frequently asked questions from homeowners to help you understand how a CEA policy can help you recover from the next damaging earthquake.
Q. Why do I need earthquake insurance?
A. In California, your residential insurance policy doesn’t cover your home or your belongings against earthquakes. If you don’t have earthquake insurance, you’re not covered for earthquake damage or any additional costs needed to live elsewhere while your home is being repaired or rebuilt. Contact your residential insurer today to get the earthquake insurance you need.
Q. How much does a CEA earthquake insurance policy cost?
A. The cost of your policy depends on many factors such as the earthquake risk where you live and the coverages and deductibles you choose. CEA offers expanded coverage choices as well as more deductible options to help you find a policy that best meets your needs and budget. Use our Premium Calculator for a free estimate.
Q. Where can I buy a CEA earthquake insurance policy?
A. You can buy a CEA earthquake insurance policy through one of our participating residential insurance companies. CEA does not offer stand-alone policies.
Q. What are my deductible options?
A. You can choose coverage deductibles of 5%, 10%, 15%, 20%, or 25%. 
Q. How does CEA’s deductible work? Do I have to pay the deductible before receiving a payment?
A. You do not pay your deductible out of pocket to receive payment on a claim. The deductible is subtracted from your covered damage so you don’t have to pay any of the deductible up front before you receive your claim payment.  

Calculate Your Earthquake Insurance Premium

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