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For Agents: CEA Homeowners Earthquake Insurance Policies

Is your customer’s house ready for the next earthquake? 

CEA homeowners earthquake insurance policies provide your customers with the strength they need to recover from a damaging earthquake.  

Talk to your customer about the CEA earthquake-coverage options that fit their needs and budget. And use our premium calculator to help get them a quick earthquake insurance price estimate. 
Did you know?
A standard homeowners policy doesn’t cover earthquake damage.

A CEA earthquake insurance policy can help pay for damages to your customer’s house or belongings.

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 customer's house and structures attached to it, like a garage.
Personal Property -

Personal Property

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Coverage to repair or replace your customer's covered personal belongings if they are damaged in an earthquake.
Breakables -


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

Loss of Use

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A necessity for additional living expenses if your customer must live outside their 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 your customer needs to make urgent, necessary repairs after an earthquake to help protect their house from further damage, such as plywood to board up damaged windows. The first $1,500 has no deductible.
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.

Ready to sell a CEA policy?

*We encourage you to read the entire CEA policy—and its policy declarations page—to understand 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)

Learn more by taking a free agent training course. Once you pass, you’ll earn 2 CE credits and become part of our special Marketing Value Program!  

Homeowners FAQs

We've gathered some frequently asked questions from homeowners and agents to help you understand how a CEA policy can help your insured recover from the next damaging earthquake.
Q. How can I help my homeowner client choose the best CEA earthquake policy for their needs and budget?
A. Use CEA’s premium calculator for agents to help your client find a policy that works best for them. You can play around with coverage limits and deductible options, and talk them through their coverage choices (such as all coverages bundled together under one deductible or separated out for our Homeowners Choice policy) to make sure they have the policy that fits their needs.
Q. How does the deductible work for CEA’s homeowners policies?

A. Your insured does not have to pay their deductible out of pocket to receive payment on a claim. The deductible is subtracted from their covered damage, so they don’t have to pay any of the deductible up front before receiving their claim payment. 

Both standard Homeowners and Homeowners Choice offer deductibles ranging from 5-25%. With the standard policy, all of your insured’s coverages are together under one deductible. With Homeowners Choice, they can choose to have separate deductibles for their dwelling and personal property. And if earthquake damage meets the dwelling deductible, the personal property deductible is waived.

Q. Are there any discounts for homeowners?
A. Yes—if your insured’s home was built before 1979 and is on a raised foundation, then they may qualify for up to a 20% premium discount with a retrofit verification. Learn more about this hazard reduction discount on our Premium Discounts page.
Q. Is my client’s house at risk from an earthquake?
A. There are thousands of known faults in California, and scientists continue to discover new ones. Since earthquakes can happen anywhere in California, damage to your client’s home and personal property is always possible. Check to see earthquake risk near you and your client and help them take steps to get prepared, which includes purchasing the best earthquake policy to meet their needs and budget.

Calculate Your Earthquake Insurance Premium

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Sacramento, CA 95814

Phone: (916) 325-3800
Toll Free: (877) 797-4300

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