Q: Where do I send my bill? (FAQ)
A. Make your CEA policy payment to the CEA Participating Residential Insurers residential insurance company that sold you your CEA policy— not CEA . They handle all billing for your CEA policy on our behalf.
Q: Who do I contact if I have an earthquake damage claim? (FAQ)
A. CEA participating CEA Participating Residential Insurers residential insurance companies process all claims on our behalf. Please contact them directly if you have an How to File a CEA Policy Claim earthquake damage claim .
Q: What payment options are available? (FAQ)
A. The CEA Participating Residential Insurers residential insurance company that sold you your CEA policy decides what payment methods and schedules (including pay by credit card or monthly installments) are available to pay CEA policy premiums. Please contact them to see what options they offer.
Q: California Earthquake Authority (FAQ)
CEA has more than policies in force, and CEA policies are two-thirds of the residential earthquake insurance policies sold in California. CEA is not-for-profit, privately funded and publicly managed. History of CEA California created CEA in 1996 to address a home-insurance market crisis.
Q: How Do I Qualify for a Discounted Premium? (FAQ)
A. Have you been looking for a discounted rate for earthquake insurance? CEA offers residential earthquake insurance premium discounts for older houses (up to 25%), and mobilehomes (21%) that have been properly retrofitted to better withstand earthquakes. A seismic retrofit involves strengthening your dwelling to make it more resistant to shaking. Find out about CEA’s discounts for retrofitted older homes .…
Q: Who handles CEA applications, renewals, and claims? (FAQ)
A. CEA participating residential insurance companies process all policy applications, renewals, payments, and claims.
Q: How can I be prepared for an earthquake? (FAQ)
A. You can prepare by You can prepare by practicing Drop, Cover, and Hold On and put into action the Seven Steps to Earthquake Safety. practicing Drop, Cover, and Hold On and put into action the You can prepare by practicing Drop, Cover, and Hold On and put into action the Seven Steps to Earthquake Safety. Seven Steps to Earthquake Safety . Talk to your insurance agent to discuss your insurance options .
Q: How to Qualify for a Discounted Premium (FAQ)
A. Have you been wondering if there is a way to get a discounted rate for CEA insurance? You may be eligible for a CEA earthquake insurance premium discount if you own a retrofitted older house (up to 25%). Discounts are also available for mobilehomes/manufactured homes (21%) that have been properly retrofitted. A seismic retrofit involves strengthening your dwelling to make it more resistant to shaking. Grants…
Q: Are cracks as a result of earthquake covered by the policy or does it only cover complete collapse? (FAQ)
A. CEA policies do not require the complete collapse of a dwelling in order for an insured to receive a claim payment. At the time of the loss, an adjuster from the participating insurance company would investigate the loss and issue payment for all covered damages, less any applicable deductibles. (Of course, claims for which homes suffer only very minor damage, such as a few minor, nonstructural surface cracks…
Q: My premium increased. How can I lower my bill? (FAQ)
A. There are several ways to lower what you pay for earthquake insurance. Choose a higher deductible to lower your premium—CEA deductibles range from 5% to 25%, in 5% increments. For new policies written on or after August 1, 2023, and renewals on or after November 1, 2023, 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…