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Insurance Policy Information
About Earthquake Insurance
Homeowner
Coverage
Deductibles
Eligible Structures
Rates & Premiums
Purchasing or Changing Coverage
Mobilehome
Coverage
Deductibles
Rates & Premiums
Purchasing or Changing Coverage
Renter
Coverage
Deductibles
Rates & Premiums
Purchasing or Changing Coverage
Condominium
Coverage
Deductibles
Rates & Premiums
Purchasing or Changing Coverage
Policies Effective On or After 01/01/2012
Homeowners
Coverage
Deductibles
Eligible Structures
Rates & Premiums
Purchasing or Changing Coverage
Mobilehome
Coverage
Deductibles
Rates & Premiums
Purchasing or Changing Coverage
Renters
Coverage
Deductibles
Rates & Premiums
Purchasing or Changing Coverage
Condominium
Coverage
Deductibles
Rates & Premiums
Purchasing or Changing Coverage

Insurance Policy Information


New to the CEA! A new product called Homeowners Choice (pdf) for policies effective July 1, 2012 – see coverage descriptions for details.

Types of Coverage Available

The CEA offers basic residential earthquake insurance for individually owned residential structures of not more than four units; mobilehomes; individual condominiums, townhouses, or certain other common interest development properties (collectively referred to on this Web site as “condominiums”); and renters. The CEA does not offer insurance coverage for commercial, industrial, or business properties.


CEA Policies Are Sold Only Through Participating Insurance Companies

CEA earthquake insurance policies are sold only through CEA ​participating insurance companies​​. You can buy CEA coverage only through the insurance company that provides your residential property insurance and only if that company is a CEA participating insurance company. Participating insurance companies process all CEA policy applications, policy renewals, invoices, and payments and handle all CEA claims.


A Companion Policy Must Exist

The CEA issues basic residential earthquake insurance policies to any owner of a qualifying residential property as long as the owner has secured a policy of residential property insurance from a participating insurer. The residential property insurance policy is referred to as the “companion policy” to the CEA policy. The CEA policy and its companion policy share the same renewal dates. If the companion policy is terminated or cancelled, the CEA policy is cancelled as of the same date.

Five reasons to Buy a CEA Policy

If your home suffers catastrophic earthquake damage, the CEA can provide you with the strength to rebuild.  With nearly $10 billion in claim-paying power, supported by the service expertise of its participating insurance companies, the CEA could cover all of its claims if the 1906 San Francisco, 1989 Loma Prieta, or 1994 Northridge earthquake reoccurred today.

  • Excellent financial ratings. CEA’s financial strength is rated A- (Excellent) by A.M. Best Company (a company that rates insurance companies).
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  • Expert service. CEA policies are available exclusively through CEA’s participating insurance companies, which handle CEA-policy applications, renewals, billing, and claims.
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  • Rates based on science, not profit. By law, CEA rates must allow it to remain financially sound and to pay all its covered claims. CEA rates are based on the best available science for assessing earthquake risk and do not include any amount for profit.
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  • Not tied to government budgets. California’s budget issues have no impact on the CEA’s ability to pay its claims, because the CEA is a privately financed entity and receives no money through the state budget.
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  • Without earthquake insurance, the cost of any damage is your cost. If your CEA policy claim exceeds your deductible, you don’t actually have to pay the deductible before claim-payment eligibility is triggered.