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We Provide Earthquake Insurance for Californians

Frequently Asked Questions From Customers

Agents - do you have a question for us? You may find your answer here. And if you don't, please Contact Us.

Agent Training

What is covered in a CEA agent-training seminar?

Do I have to be a licensed agent to take agent training?

How many times can I take an agent-training course?

What happens if I arrive late to training?

If I only attend part of agent-training, can I get partial credit?

How many CE credits do I need to renew my license?

How long does it take for my CE credits to post?

Marketing Value Program (MVP)

What is MVP?

How can I participate in the MVP?

Agent Store

Where can I find the earthquake preparedness kits for my new CEA policyholders?

Where do I order the direct mailers to send to my clients or find sales items?

Will my new policyholder automatically receive an earthquake preparedness kit?

CEA Information

Why CEA earthquake insurance?

Is CEA a state agency?

Who handles CEA applications, renewals and claims?

Why doesn't CEA accept credit card payments or ACH withdrawals?

When can I call CEA for help?

If I have to move out of my property due to damages caused by an earthquake, how does CEA handle this?

Can loss of use be used even if the damages do not exceed the deductible?

Does CEA offer coverage for items like crystal, china and porcelain?

CEA Financial Strength

Will CEA be able to pay all of its claims if there is an earthquake?

How much claim-paying capacity does CEA have?

Homeowners and Mobilehome Owners

How much does a CEA homeowners earthquake insurance policy cost?

How much does a CEA mobilehome policy cost?

What's the difference between Homeowners and Homeowners Choice policies?

Is retrofitting required before purchasing a CEA policy?

Condominium / Condo Unit Owners

How much does a CEA condo unit policy cost?

Does CEA offer a master earthquake policy for homeowner associations?

If my HOA doesn't have an earthquake master policy, do I need Loss Assessment coverage?

I own my condo unit. Are there coverage options for me?

What is the highest limit offered for the building property for an individual condo unit owner?

Is there loss assessment coverage on a CEA condo unit policy?


How much does a CEA renters policy c​ost?

I rent, so will my landlord's policy cover my belongings?

Deductibles and Discounts

What are my deductible options?

If I have a 15% deductible, would I need to first pay 15% of the total amount that I am claiming?

Does CEA require policyholders to "pay" a deductible out-of-pocket?

How does CEA's deductible work?

Are homeowners eligible for a retrofit discount?

Are mobilehome owners eligible for a retrofit discount?

What is a cripple wall?

What is the difference between the 5%, 10%, and 20% Hazard Reduction Discounts?

On the Hazard Reduction Discount Verification form, does the licensed contractor or structural or civil engineer have to be bonded in order to qualify?

Rates and Premiums

Where can I find specimen copies of CEA policies?

Is earthquake insurance expensive?

How does CEA determine the premium amount for its policies?

My premium increased. What can I do to lower the cost of my CEA earthquake coverage?

Where can I get a premium estimate for a CEA policy?

Risk and Safety

Why do I need earthquake insurance?

What can I do to prepare for an earthquake?

How do I stay safe during an earthquake?

How can I find out if my home is at risk for earthquake damage?

My house has been retrofitted. Do I still need coverage?

My home isn't on a fault. Why would I need earthquake insurance?

Will government grants pay to repair earthquake damage to my house?