CEA Homeowners Policy Coverages & Deductibles

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CEA’s rates are based on science, not profit. We use the best available science and research to set our insurance rates.

Contact your residential insurer to purchase your policy. You can also use the CEA premium calculator to get an insurance cost estimate.

How to Buy a Policy

Coverage options for homeowners

Our earthquake insurance for homeowners allows you to choose between two policies: purchase all of your coverages together under one deductible, or, with Homeowners Choice, choose to have separate deductibles for your dwelling and personal property. With Choice, you may also choose to only purchase coverage for your dwelling, and decline other coverages.

Coverages	Standard Homeowners	Homeowners Choice	Additional Information
Home (dwelling)	Included	Included	Covers earthquake damage to your home and certain structures attached to it, like an attached garage.
Coverage Limits	Same as your homeowners insurance policy	Same as your homeowners insurance policy	Your home is covered up to the Dwelling’s insured value on your homeowners insurance policy. For example, if your home insurance value is $200,000, your earthquake insurance coverage will be the same amount.
Deductible	5%-25%	5%-25%	Deductible options are 5%, 10%, 15%, 20% and 25% of your Dwelling (Home) coverage. Homes with a Coverage A dwelling limit greater than $1,000,000, or dwellings built before 1980 on a raised or other type foundation that do not have a verified retrofit, are only eligible for a 15%, 20% or 25% deductible. Claim-payment example: If your Dwelling is insured for $500,000, and You have purchased a 5% ($25,000) deductible, and An earthquake causes $80,000 in covered damage, then Your claim payment would be $55,000 (your covered loss, less your deductible, up to the limit of insurance purchased).
Personal Property	Included	Optional	Covers damage to your belongings, like TVs and furniture.
Coverage Limits	Up to $25,000	Up to $25,000	Available in limits of $5,000 or $25,000.
Deductible	Included under your Dwelling deductible—no Personal Property losses can be paid unless Dwelling loss exceeds the policy’s deductible.	5%-25%	Expand to read more The Homeowners Choice policy offers Personal Property coverage deductibles of 5%-25%. Homes with a Coverage A dwelling limit greater than $1,000,000, or dwellings built before 1980 on a raised or other type foundation that do not have a verified retrofit, are only eligible for a 15%, 20% or 25% deductible. This deductible is separate from the dwelling deductible, which may allow you to receive a personal property claim payment even if you don’t meet the dwelling deductible. And, if the dwelling deductible is met, the personal property deductible is waived. Homeowners Choice claim-payment example: If your dwelling is insured for $500,000 with a 10% deductible ($50,000), and You have personal property covered for $25,000 with a 5% deductible ($1,250), and An earthquake causes damage to the dwelling that is less than the dwelling deductible, but there is also $20,000 in personal property damage, then • Although your dwelling deductible is not met, your separate personal property deductible allows you to receive $18,750! o This payment is the difference between the covered damage to personal property ($20,000), less the deductible ($1,250).
Loss of Use	Included	Optional	Covers additional living expenses if you need to live and eat elsewhere because earthquake damage or a civil authority prevents you from residing in your home. If your dwelling is held for rent, loss of use (fair rental value) is covered.
Coverage Limits	Up to $100,000	Up to $100,000	Available in limits of $1,500, $10,000, $15,000, $25,000, $50,000, $75,000 and $100,000.
Deductible	None	None	There is never a deductible for Loss of Use.
Building Code Upgrade	Included	Included	Local authorities often require that rebuilding or significant repair work be performed in a manner consistent with current building codes (not the codes that were in effect when the property was built). This coverage helps pay expenses associated with code-compliant rebuilding or repairs.
Coverage Limits	$10,000 included, $20,000 and $30,000 optional	$10,000 included, $20,000 and $30,000 optional	All CEA homeowners policies include $10,000 in building code upgrade coverage. You can also choose to raise the coverage to $20,000 or $30,000.
Deductible	Paid after the dwelling deductible is met	Paid after the dwelling deductible is met	Once your covered dwelling damage exceeds the deductible, you could be eligible for payment for Building Code Upgrades, up to your chosen limit.
Emergency Repairs	Included	Included	Covers earthquake-damage repairs that are needed to protect your house or personal property from further damage (examples: repair broken windows or remove broken glass).
Coverage Limits	Up to 5% of homeowners and Personal Property limit	Up to 5% of homeowners and Personal Property limit	For example, if your house is insured for $200,000 and an earthquake strikes causing $80,000 in damage, you have up to 5% ($10,000) in Emergency Repairs coverage to make your house safe to live in.
Deductible	First $1,500 has no deductible	First $1,500 has no deductible	Emergency Repairs provide coverage up to 5% of dwelling and 5% of the personal property limit. The first $1,500 is not subject to the deductible.

Coverages	Home (dwelling)
Standard Homeowners	Included
Homeowners Choice	Included
Additional Information	Covers earthquake damage to your home and certain structures attached to it, like an attached garage.
Coverages	Coverage Limits
Standard Homeowners	Same as your homeowners insurance policy
Homeowners Choice	Same as your homeowners insurance policy
Additional Information	Your home is covered up to the Dwelling’s insured value on your homeowners insurance policy. For example, if your home insurance value is $200,000, your earthquake insurance coverage will be the same amount.
Coverages	Deductible
Standard Homeowners	5%-25%
Homeowners Choice	5%-25%
Additional Information	Deductible options are 5%, 10%, 15%, 20% and 25% of your Dwelling (Home) coverage. Homes with a Coverage A dwelling limit greater than $1,000,000, or dwellings built before 1980 on a raised or other type foundation that do not have a verified retrofit, are only eligible for a 15%, 20% or 25% deductible. Claim-payment example: If your Dwelling is insured for $500,000, and You have purchased a 5% ($25,000) deductible, and An earthquake causes $80,000 in covered damage, then Your claim payment would be $55,000 (your covered loss, less your deductible, up to the limit of insurance purchased).
Coverages	Personal Property
Standard Homeowners	Included
Homeowners Choice	Optional
Additional Information	Covers damage to your belongings, like TVs and furniture.
Coverages	Coverage Limits
Standard Homeowners	Up to $25,000
Homeowners Choice	Up to $25,000
Additional Information	Available in limits of $5,000 or $25,000.
Coverages	Deductible
Standard Homeowners	Included under your Dwelling deductible—no Personal Property losses can be paid unless Dwelling loss exceeds the policy’s deductible.
Homeowners Choice	5%-25%
Additional Information	Expand to read more The Homeowners Choice policy offers Personal Property coverage deductibles of 5%-25%. Homes with a Coverage A dwelling limit greater than $1,000,000, or dwellings built before 1980 on a raised or other type foundation that do not have a verified retrofit, are only eligible for a 15%, 20% or 25% deductible. This deductible is separate from the dwelling deductible, which may allow you to receive a personal property claim payment even if you don’t meet the dwelling deductible. And, if the dwelling deductible is met, the personal property deductible is waived. Homeowners Choice claim-payment example: If your dwelling is insured for $500,000 with a 10% deductible ($50,000), and You have personal property covered for $25,000 with a 5% deductible ($1,250), and An earthquake causes damage to the dwelling that is less than the dwelling deductible, but there is also $20,000 in personal property damage, then • Although your dwelling deductible is not met, your separate personal property deductible allows you to receive $18,750! o This payment is the difference between the covered damage to personal property ($20,000), less the deductible ($1,250).
Coverages	Loss of Use
Standard Homeowners	Included
Homeowners Choice	Optional
Additional Information	Covers additional living expenses if you need to live and eat elsewhere because earthquake damage or a civil authority prevents you from residing in your home. If your dwelling is held for rent, loss of use (fair rental value) is covered.
Coverages	Coverage Limits
Standard Homeowners	Up to $100,000
Homeowners Choice	Up to $100,000
Additional Information	Available in limits of $1,500, $10,000, $15,000, $25,000, $50,000, $75,000 and $100,000.
Coverages	Deductible
Standard Homeowners	None
Homeowners Choice	None
Additional Information	There is never a deductible for Loss of Use.
Coverages	Building Code Upgrade
Standard Homeowners	Included
Homeowners Choice	Included
Additional Information	Local authorities often require that rebuilding or significant repair work be performed in a manner consistent with current building codes (not the codes that were in effect when the property was built). This coverage helps pay expenses associated with code-compliant rebuilding or repairs.
Coverages	Coverage Limits
Standard Homeowners	$10,000 included, $20,000 and $30,000 optional
Homeowners Choice	$10,000 included, $20,000 and $30,000 optional
Additional Information	All CEA homeowners policies include $10,000 in building code upgrade coverage. You can also choose to raise the coverage to $20,000 or $30,000.
Coverages	Deductible
Standard Homeowners	Paid after the dwelling deductible is met
Homeowners Choice	Paid after the dwelling deductible is met
Additional Information	Once your covered dwelling damage exceeds the deductible, you could be eligible for payment for Building Code Upgrades, up to your chosen limit.
Coverages	Emergency Repairs
Standard Homeowners	Included
Homeowners Choice	Included
Additional Information	Covers earthquake-damage repairs that are needed to protect your house or personal property from further damage (examples: repair broken windows or remove broken glass).
Coverages	Coverage Limits
Standard Homeowners	Up to 5% of homeowners and Personal Property limit
Homeowners Choice	Up to 5% of homeowners and Personal Property limit
Additional Information	For example, if your house is insured for $200,000 and an earthquake strikes causing $80,000 in damage, you have up to 5% ($10,000) in Emergency Repairs coverage to make your house safe to live in.
Coverages	Deductible
Standard Homeowners	First $1,500 has no deductible
Homeowners Choice	First $1,500 has no deductible
Additional Information	Emergency Repairs provide coverage up to 5% of dwelling and 5% of the personal property limit. The first $1,500 is not subject to the deductible.

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.