If you have a policy that began or renewed in 2015, you have the following:

  • Personal Property
  • Loss of Use
  • Emergency Repairs

Features include:

  • Personal Property (belongings like TVs and furniture) – up to $100,000 with a flat $750 deductible.
  • Loss of Use—the additional costs to live elsewhere following an earthquake—is covered up to $25,000 without a deductible.
  • After the Personal Property deductible is met, Emergency Repairs coverage is included as the lesser of $1,000 or 5% of the Personal Property coverage limit, for things like glass removal. 

​Renters Policy

​Coverage Type​Included​Optional​Deductibles

Personal Property (Belongings)




Emergency Repairs



None after Personal Property deductible is met

Loss of Use

(Costs exceeding your current housing expenses, to live elsewhere if your home is uninhabitable after an earthquake)








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.