​​​If you have a CEA Homeowners earthquake policy that began or renewed in 2015, you have one of the following policy types:

  • Homeowners Choice offers coverage for your house, building code upgrades and emergency repairs. Optional coverages are personal property and loss of use, which includes payment of additional living expenses if you are forced to live elsewhere after an earthquake.
  • Standard Homeowners bundles all of the coverages into one package: house, personal property, building code upgrades, loss of use (additional living expenses) and emergency repairs.

Features include:

  • 10% or 15% Dwelling deductible.
  • Building Code Upgrade coverage to bring your house up to current building code while making covered repairs, $10,000 included, $20,000 optional. No deductible after the dwelling deductible has been met.
  • Personal Property (belongings like TVs and furniture) – up to $100,000 with a 10% or 15% deductible.
    • With Homeowners Choice, the Personal Property deductible is waived if dwelling deductible is met. 
    • Standard Homeowners does not have a separate Personal Property deductible –payments for covered personal property are made when the Dwelling deductible is met.
  • Up to 5% of Dwelling and 5% of Personal Property coverage is available for Emergency Repairs such as repairing broken windows or tarping a roof. The first $1,500 of Emergency Repairs coverage has no deductible.
  • Loss of Use—pays for additional costs to live and eat elsewhere following an earthquake—is covered up to $25,000, with no deductible.


​CoverageHomeowners ChoiceStandard 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
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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.