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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

Homeowners




Earthquake insurance from the CEA is designed to help pay to repair or rebuild your home if it suffers significant damage from an earthquake.

The CEA offers either a Homeowners or a Homeowners Choice policy – each has multiple coverage levels and options, to help you create the right policy for your insurance needs.  The CEA’s standard Homeowners earthquake policy includes all of the following coverages:

  • Dwelling (Coverage A)– the coverage limit is the same as the insured value stated on your companion homeowner policy.  You may select either a 10% or 15% deductible.
  • Personal Property (Coverage C) – with coverage limits ranging from $5,000 to $100,000.
  • Loss of Use/Additional Living Expense (Coverage D) – including limits of coverage between $1,500 and $25,000.

Beginning July 1, 2012, the CEA’s new Homeowners Choice policy is available which gives you coverage options:

  • Buy only Dwelling (Coverage A) and Extensions to Dwelling (Coverage B), or
  • add Personal Property (Coverage C), or
  • add Loss of Use (Coverage D), or add both.

It’s your choice, so you can manage your own residential insurance coverage… and premium.

For more information about Homeowners Choice, click here. PDF Logo

CEA policies contain exclusions and special limits of coverage – read the entire policy to become familiar with what is and is not covered.  If you still have questions about your CEA policy after reading the information on our Website, please contact your insurance broker, agent, or residential insurer.

Thumbnail of CEA_Home-Mobile_brochure.pdf Thumbnail of CEA_Home-Mobile_brochure_SPANISH.pdf Thumbnail of CEA_Home-Mobile_brochure_CHINESE.pdf
Homeowners/Mobilehome Owners
(English) (pdf)
Homeowners/Mobilehome Owners
(Spanish) (pdf)
Homeowners/Mobilehome Owners
(Chinese) (pdf)