Our Residential Earthquake Insurance Policies
Choose your residential earthquake insurance policy type below to see information, coverages, and rates available for your property.
ABOUT CAlifornia earthquake authority
CEA’s not-for-profit mission makes California residential earthquake insurance affordable and flexible. More than 1 million California policyholders trust CEA’s $17 billion claim-paying ability. We help homeowners, mobilehome owners, condo-unit owners, and renters before and after the big one strikes.
We educate, mitigate, and insure:
After the 6.7 magnitude 1994 Northridge earthquake—which damaged or destroyed thousands of homes—CEA was created by the California Legislature in 1996 to offer earthquake insurance coverage in California.
Our affordable and flexible policies—based on the best available science—have expanded over two decades. We work with 24 participating residential insurance companies to offer California homeowners, mobilehome owners, condo-unit owners, and renters home insurance policies.
Use our free premium calculator to get a quick, reliable estimate for your CEA earthquake insurance policy costs.
Start Your Free Estimate
Where to Buy Earthquake Insurance
CEA residential earthquake insurance is sold as a separate, companion policy with your standard homeowners or renters insurance.
It’s easy to buy—just call your home insurance agent.
1. Begin by using the free CEA earthquake insurance estimator to compare our earthquake coverages. |
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2. Share the estimate with your insurance agent via email/phone.
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3. Call your insurance agent to finalize your policy.
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4. Buy today. You don’t have to wait until your homeowners renewal date to purchase earthquake insurance coverage.
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5. Pay through the options your insurance carrier offers.
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We work with 24 participating residential insurance carriers that provide earthquake coverage in California.
Use our free premium calculator to get a quick, reliable estimate for your CEA earthquake insurance policy costs.
Start Your Free Estimate
TOP Questions and answers
Top FAQs
We've gathered the most frequently asked questions to help you understand how a CEA policy can help you recover from the next damaging earthquake.
Q. What is Earthquake Insurance?
A. Though California has nearly 16,000 known earthquake faults, you are not required by state law to carry earthquake insurance. Your basic homeowners and renters insurance policies do not cover earthquake damage. Without separate earthquake insurance coverage, you will be responsible for all of the cost to repair your home and replace your belongings after a damaging earthquake occurs.
Earthquake insurance coverage guards against financially devastating shaking events.
CEA earthquake policies cover houses, mobilehomes, condo-units, and rental homes. Buy separate earthquake insurance coverage in California through your home insurance provider.
Our residential earthquake insurance policies offer coverage for:
- Repairs to your home/mobilehome/condo-units.
- Costs of living elsewhere while repairs are being made to your house/mobilehome/condo-unit/rental home after an earthquake.
- Replacement of the valuable contents in the home you own or rent.
Buy CEA earthquake insurance today to protect your life savings.
Q. Is Earthquake Insurance Really Worth it?
A. If you've never felt an earthquake tremor in your life, do you really need California earthquake insurance coverage?
Consider this.
- Damage from a minor quake is most often limited to broken windows and dishes.
- But a big quake may trigger catastrophic damage to your home’s structure and foundation—and may require use of your hard-earned life savings to repair damage to your home.
- Scientists say larger earthquakes are a matter of when, not if. Earthquakes are a certainty in California.
Your basic homeowners policy does not cover earthquake damage. Californians must purchase a separate, companion earthquake insurance policy. Without earthquake insurance coverage in California, you will be responsible for 100 percent of the cost to repair your home, and replace your belongings after a damaging earthquake strikes.
Given the potential cost to repair shake damage, the cost of a CEA policy may be an easy expense to justify. According to a Uniform California Earthquake Rupture Forecast study, there is more than a 99% chance of one or more magnitude 6.7 or greater earthquakes striking California.
Ask yourself: after a major earthquake, could you:
- Afford to repair or replace your home without insurance;
- Cover the full costs of living elsewhere—while still paying your mortgage—during the time repairs are being made; and
- Replace the valuable contents of your home?
Compare those big-ticket expenses to an investment in earthquake insurance coverage—combined with the value of having peace of mind when the big one strikes.
Q. Do I Need Earthquake Insurance in California?
A. Live in the San Francisco Bay Area, Central Coast, Central Valley, Sierra Mountains or SoCal? Then you live in areas of greater earthquake risk.
Still, all of California is earthquake country.
Most Californians live within only 30 miles of an active earthquake fault. There are nearly 16,000 known faults, and scientists continue to find new faults.
Consider this likely scenario with a large earthquake:
- Earthquakes can cause extensive damage to the foundation, siding and roof of homes. Older homes built before 1980 on a raised foundation are especially vulnerable if they are not retrofitted.
- Without residential earthquake insurance you will be responsible for all repair and/or rebuilding costs.
- Government disaster assistance, if available, only comes in the form of a small grant or capped loan, which may cover only a portion of your repair costs.
- Without Loss of Use earthquake coverage—which includes covering additional expenses of living elsewhere—you’d still be paying your mortgage plus temporary housing rent during the time repairs are underway.
CEA earthquake insurance policies protect you against financially devastating shaking events.
Q. How Much Does Earthquake Insurance Cost?
A. CEA offers the best affordable and flexible earthquake policies. Choose the kind of coverage that fits your budget. Residential earthquake insurance typically pays for damaged walls, foundations, and ceilings. Options can also cover household items that are destroyed or need repair due to an earthquake, such as electronics and appliances.
Our residential earthquake insurance rates are based on the latest science, not profit. Premiums are determined by many factors, including:
- Your home’s age.
- Its location near a fault.
- Foundation type (raised, slab or other).
- Construction (masonry or frame) type.
- Roof type.
Find out about CEA’s premium discounts for retrofitted older homes and mobilehomes. Grants to help pay for a house retrofit are available to people with eligible houses in select ZIP Codes from the Earthquake Brace & Bolt (EBB) program, and the CEA Brace + Bolt (CEA BB) program.
Q. How Do I Qualify for a Discounted Premium?
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. Mobilehomes that are properly retrofitted are also eligible for premium discounts. Grants for retrofitting may also be available.
CEA’s affordable and flexible earthquake insurance policies allow you to choose the kind of coverage and deductibles that fit your budget.