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Affordable California Earthquake Insurance Policies

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For the best choice of earthquake policies, choose CEA coverage. California homeowners and renters can select from 5%-25% deductibles.
We are one of the world’s largest providers of residential earthquake insurance.

  • Rates based on science, not profit.
  • More than $17 billion in claim paying ability.
  • More than 1 million policyholders.
  • Bought through your home insurance policy.

Earthquake Insurance Coverage

California is earthquake country. Be prepared. Most folks live within only 30 miles of an active earthquake fault. There are nearly 16,000 known faults, and scientists continue to find new faults.

CEA earthquake insurance protects the financial investment you have in your home and belongings. California homeowners, condo-unit owners, mobilehome owners and renters have the best choice of earthquake insurance policies.

 

  • Homeowners
  • Condo-Unit Owners
  • Mobilehome owners & manufactured homeowners
  • Renters
  • Insurance FAQs
Homeowners

CEA homeowners earthquake insurance will help you prepare for and bounce back from the big one. Pick the best earthquake coverage that meets your needs. Protect your financial investment.

CEA offers earthquake insurance premium discounts for older houses that have been retrofitted to better withstand earthquakes.

See How to get a Premium Discount

Condo-Unit Owners

Protect your investment with earthquake coverage with a condo-unit owner policy. After an earthquake hits, you are responsible for replacing appliances, windows, flooring and valuables. In other words, without an earthquake policy in place, you will be responsible for repairing the damage for everything inside your home, replacing all of your belongings, as well as any HOA special assessment to cover the deductible for common area damage.

See our free premium calculator to get a quick, reliable estimate for your CEA earthquake insurance policy costs.

Start Your Free Estimate

Mobilehome Owners & Manufactured Homeowners

Mobilehomes are vulnerable to strong shaking. With CEA earthquake insurance, you can make urgent repairs after an earthquake to help protect your home from further damage. Your first $1,500 of emergency repairs has no deductible.

Learn more about California earthquake risk and faults near you.

See the Risk Near You

Renters

CEA ‘s affordable and flexible renters earthquake insurance gives you choices. While your landlord may be responsible for broken window glass and drywall, they are not responsible for damage to your valuables—including bicycles and electronics. Nor are they responsible for helping you find a new place to stay while repairs are being made.CEA ‘s affordable and flexible renters earthquake insurance gives you choices. While your landlord may be responsible for broken window glass and drywall, they are not responsible for damage to your valuables—including bicycles and electronics. Nor are they responsible for helping you find a new place to stay while repairs are being made.

Contact your home insurance company—or one of our insurer partners—to buy a CEA policy or make changes to your coverage.

See Participating Insurers

Earthquake Insurance FAQs

Earthquake Insurance FAQs

Q. Do I Need Residential Earthquake Insurance?
A. The real question is: Are you feeling lucky?
  • Scientists predict a major earthquake in the near future.
  • Most Californians live within 30 miles from an active earthquake fault.
  • There are nearly 16,000 known earthquake faults in California. Scientists continue to find new ones.
Earthquake insurance is not required by California law. Only by purchasing a separate earthquake insurance policy joined with your home policy is your home protected from damages caused by a strong earthquake.

CEA earthquake insurance guards against financially devastating shaking events. 
 
Q. How Much Does Earthquake Insurance Cost in California?

A. CEA provides the best choices in California earthquake coverage. Pick the kind of policy that fits your budget and risk. Homeowners earthquake insurance helps to cover costs to repair damaged walls, foundations, and ceilings. All CEA policies can also help to cover loss of your home’s use, and repair or replace household items that are destroyed or need repair, such as electronics and appliances.

Our homeowners insurance rates are based on the latest science, not profit. Premiums are determined by many factors, including:

Find out about CEA’s discounts for retrofitted older homes built before 1980 on a raised foundation, and mobilehomes
Q. How to Qualify for a Discounted Premium

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 for retrofitting may also be available to you!

Q. Where to Buy Earthquake Insurance

A. Take 5 easy steps to buy CEA earthquake insurance.

  1. Use the free CEA earthquake insurance estimator to compare coverages and prices.
  2. Share the estimate with your insurance agent via email/phone.
  3. Call your insurance agent to finalize the earthquake insurance policy.
  4. Buy today. You don’t have to wait until your homeowners renewal date to purchase earthquake insurance.
  5. Pay through the options your insurance carrier offers.

We work with 24 participating residential insurance carriers that provide home policies to the majority of Californians.

It Could Happen Today

Watch our newest videos

An earthquake could happen today in California, so it makes sense to protect your way of life with CEA earthquake insurance by choosing an earthquake policy that fits your needs and budget.

See CEA’s TV spots

Policyholder Stories

Meet the Barlaks

California Earthquake Authority (CEA) policyholders Bill and Liz Barlak talk about the peace of mind that comes with having a CEA earthquake insurance policy.

Watch their story

California Earthquake Authority (CEA) policyholders Bill and Liz Barlak talk about the peace of mind that comes with having a CEA earthquake insurance policy.
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