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We Provide Earthquake Insurance for Californians

California Homeowners Residential Earthquake Insurance Policies

California Homeowners Earthquake Insurance Policies

When an earthquake strikes, you want peace of mind knowing that the costs to repair your home and replace your belongings are covered. With California Earthquake Authority’s (CEA) new, more flexible homeowners earthquake insurance policy choices, you can choose the options that meet your needs and your budget.

Did you know? Most homeowners policies don’t cover earthquake damage. You need a separate earthquake insurance policy to cover your home and your belongings.

Choose between two homeowners policies

With a CEA homeowners earthquake insurance policy, you can choose the coverages and deductibles you need. We offer two policies for homeowners:

  • Homeowners Choice offers coverage for your house, building code upgrades and emergency repairs. We also offer optional personal property coverage for your belongings, and loss of use, which can pay for additional living expenses if you have to live elsewhere due to earthquake damage. Homeowners Choice is flexible—you choose the coverages and options you need.

  • Standard Homeowners bundles all of the coverages we offer into one package: home, personal property, building code upgrades, the additional costs to live elsewhere due to earthquake damage (Loss of Use), and emergency repairs.

Compare Homeowners Choice and Standard Homeowners Policies

Choose the homeowners policy that provides the earthquake coverage options you want:

Coverage Homeowners Choice Standard Homeowners
Home (Dwelling) Included Included
Building Code Upgrade (Costs to bring your home up to current building code while making covered repairs) Included Included
Personal Property (belongings) Optional Included
Emergency Repairs Included Included
Loss of Use (Costs exceeding your current housing expenses, to live elsewhere if your home is uninhabitable after an earthquake.) Optional Included
Breakables Optional Optional
Masonry Veneer Optional Optional

Ready for the next step?

Read your CEA Policy carefully

We encourage you to read your entire CEA policy to see what is covered and what is not. Exclusions and special limits apply.

All details, limits, and conditions of CEA coverages are found in CEA insurance policies. Refer to a Sample Policy, below, for the full terms and definitions.