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We Provide Earthquake Insurance for Californians

CEA Homeowner Rates & Premiums

California Earthquake Authority (CEA) is focused on offering homeowners the best rates

California Earthquake Authority (CEA) is focused on offering homeowners the best rates

  • California Earthquake Authority (CEA) has reduced statewide-average rates for homeowners earthquake insurance by nearly 55% since we opened our doors in 1996, making earthquake insurance more affordable than ever!

  • CEA rates are based on science, not profit. We use the best available science and research to determine competitive earthquake insurance rates.

  • We are not-for-profit, publicly managed, and privately funded.  The CEA Governing Board of elected state officials ensures our rates are as low as possible while remaining financially sound.

Click here for commonly asked questions about our homeowner earthquake insurance rates and premiums

Rea​d your CEA policy carefully

We encourage you to read your entire CEA policy to understand what is covered and what is not. Exclusions and special limits apply. Your homeowners insurance agent can answer any questions.

All details, limits, and conditions of CEA coverages are found in CEA insurance policies. Refer to a Sample Policy, below, for current CEA policy language.