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Home > Insurance Policies > Condominium

CEA Condominium Earthquake Insurance Policies

young couple in condo facing each otherIs your condo unit ready for the next earthquake?

CEA condominium earthquake insurance policies provide the strength you need to recover from a damaging earthquake.

Get a quick earthquake insurance price estimate using our premium calculator. And, talk to your residential insurer about the earthquake coverage options that fit your needs and budget. They will also help you purchase your CEA policy.

How to Buy a Policy

Does Condo Insurance Cover Earthquakes?

Your earthquake loss isn’t covered by standard condo or HOA insurance.

Get a CEA earthquake policy to cover your condo unit and belongings. Contact your residential insurance company today! 

CEA condo unit coverage options*

Building Property -

Building Property

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Helpful when the inside of your condo unit is damaged, such as interior walls or fixtures.
Personal Property -

Personal Property

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Coverage to repair or replace your covered personal belongings if they are damaged in an earthquake.
Loss of Use -

Loss of Use

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A necessity for additional living expenses if you must live outside your home because of earthquake damage or as directed by a civil authority. This coverage never has a deductible.
Loss Assessment -

Loss Assessment

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Up to your chosen coverage limit, Loss Assessment coverage helps pay your share of certain assessments levied by your HOA on its members for earthquake-damage repairs or to pay a master-policy deductible. This coverage can help with charges for repairs to the exterior of your condo development or certain common areas, as well as building code upgrades.
Building Code Upgrades -

Building Code Upgrades

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Helps cover the costs to get your condo unit up to current building code standards.
Emergency Repairs -

Emergency Repairs

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Handy coverage when you need to make urgent, necessary repairs after an earthquake to help protect your unit from further damage, such as plywood to board up damaged windows.
Breakables -

Breakables

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Useful coverage if glassware, crystal, china, ceramic, pottery, porcelain, or marble items are broken because of an earthquake.

learn more about condominium coverage

Get more details about our condo policy coverages and deductibles.

Download a ​Condo Unit Owners Earthquake Insurance Brochure​ (PDF) or order policy brochures​ online​.

Read Your CEA Policy Carefully

*We encourage you to read your entire CEA policy—and its policy declarations page—to understand your coverages and how they work. Exclusions and special limits apply. All terms and conditions of CEA insurance coverage are found in the CEA insurance-policy form. Refer to a sample policy, below. 

Condo Unit Policy Sample (PDF)
Optional Endorsement - Coverage For Breakables (PDF)

Condo-Unit Owners Insurance FAQs

We’ve gathered some frequently asked questions from condo-unit owners to help you understand how a CEA policy can help you recover from the next damaging earthquake.
Q. Why do I need earthquake insurance?
A. In California, your residential insurance policy doesn’t cover your home or your belongings against earthquakes. If you don’t have earthquake insurance, you’re not covered for earthquake damage or any additional costs needed to live elsewhere while your home is being repaired or rebuilt. Contact your residential insurer today to get the earthquake insurance you need.
Q. How much does a CEA earthquake insurance policy cost?
A. The cost of your policy depends on many factors such as the earthquake risk where you live and the coverages and deductibles you choose. CEA offers expanded coverage choices as well as more deductible options to help you find a policy that best meets your needs and budget. Use our Premium Calculator for a free estimate.
Q. How does CEA’s deductible work? Do I have to pay the deductible before receiving a payment?
A. You do not pay your deductible out-of-pocket. The deductible is subtracted from your covered damage so you don’t have to pay any of the deductible up front to receive a claim payment. 
Q. Where can I buy a CEA earthquake insurance policy?
A. You can buy a CEA earthquake insurance policy through one of our participating residential insurance companies. CEA does not offer stand-alone policies. Learn more about how to buy a CEA earthquake insurance policy.
Q: I don't have earthquake insurance. Can I buy a new CEA policy after an earthquake?

A: Yes. CEA has never imposed a moratorium on selling new earthquake insurance policies following any earthquake, even in the areas directly affected by the earthquake.*

If you do choose to purchase a new CEA earthquake insurance policy shortly after the occurrence of an earthquake in your area, and if there are aftershocks or other quakes that are related to that same earthquake, then you should be aware that your new CEA policy will not cover losses from these aftershocks or other related ground-shaking that occurs within 15 days (360 hours) after that earthquake, though would cover damage from completely unrelated earthquakes that may occur immediately after you purchase your policy. That original earthquake, together with all related shaking that occurs within 15 days, are collectively referred to as the "seismic event" in the CEA policy. In other words, the "seismic event" commences upon the initial earthquake, and all earthquakes or aftershocks that occur within the 360 hours (15 days) immediately following the initial earthquake are considered for purposes of this policy to be part of the same "seismic event."

For a loss to be covered under a CEA policy, both the original earthquake that caused the loss (to your property or belongings) and the 15-day "seismic event" that the earthquake is part of must commence during the policy period.

If, however, another earthquake occurs after the new policy goes into effect, and that earthquake is not seismically related to the earlier earthquake (not part of the earlier “seismic event”), then your losses from this new earthquake would be covered, even if they occurred immediately after the effective date of the policy, because those losses would arise from a different seismic event.

If you are a current policyholder and have experienced damage from a covered seismic event, and another quake occurs as part of the same event (for example, with the 2019 Ridgecrest earthquake, when a 6.4 magnitude earthquake struck and the next day a 7.1 magnitude struck, as part of the same seismic event), our 360-hour definition allows our policyholders to combine all the damage to meet their deductible. In other words, you do not need to meet your deductible each time; you only need to meet it once.

*It is possible, however, that one or more CEA participating insurers (who sell and service our policies), as well as other insurance companies, may declare a moratorium on new sales of their own insurance policies (e.g., homeowners, condominium owners, or renters insurance that covers the risk of fire) in the affected area after an earthquake or other disaster, so if you reside in an area that has been affected by a recent earthquake and are interested in purchasing homeowners or other property insurance, we recommend you contact the property insurer to see if they have issued a moratorium on the policy types they offer.

Q. What are my deductible options?
A. You can choose coverage deductibles of 5%, 10%, 15%, 20%, or 25%. 

Calculate Your Earthquake Insurance Premium