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Premium Discounts

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

What is a retrofit? A retrofit, sometimes called a seismic retrofit, involves strengthening your house to make it more resistant to earthquakes.

Does your house or mobilehome qualify for a CEA premium discount?


If your mobilehome:

Then you may receive a 23% discount on your CEA earthquake insurance premium.

If your mobilehome has already been certified with an earthquake-resistant bracing system, submit a copy of the permit or final inspection report to your residential insurer to obtain your premium discount.

To obtain the necessary forms to get your bracing system certified by HCD, or to learn more about installing an earthquake-resistant bracing system on your mobilehome, please contact HCD.

If your single-family house:

Then you may be eligible to receive up to a 20% discount on your CEA earthquake insurance premium.

See the chart below to learn how to get a hazard reduction discount.

Homeowners: Get Your Policy Premium Discount

Discount Year Built Verification Type Required Documentation
5% Prior to 1979 Self-Verified Any of the following:
  • Policyholder-signed CEA application; or
  • Company file documentation; or
  • On-site inspection.
10% 1960 to 1978 Verification Form Complete and submit a CEA Earthquake Insurance Dwelling Retrofit Verification Form that has been signed by a civil or structural engineer or a licensed contractor.
20% Prior to 1960 Verification Form Complete and submit a CEA Earthquake Insurance Dwelling Retrofit Verification Form that has been signed by a civil or structural engineer or a licensed contractor.

For information about CEA’s Hazard Reduction Discount (HRD), please call (888) 423-2322 or contact your residential insurer.

If your house already has been properly retrofitted, work with your contractor or a structural engineer to fill out the Hazard Reduction Discount Verification form (PDF) and submit it to your residential insurer

Download HRD Verification Form (PDF)

Learn more about seismic retrofitting and how houses are vulnerable to earthquake damage.

Get Help to Pay for a Retrofit

A brace-and-bolt retrofit may cost several thousand dollars—the actual price depends on your house.

We have two programs that are available in select ZIP Codes to help!

Earthquake Brace + Bolt

To help cover your cost, the Earthquake Brace + Bolt Program offers a grant of up to $3,000 to qualified homeowners with eligible houses in a select number of higher-earthquake-risk ZIP Codes. 

You do not need to be a CEA policyholder to be eligible for this discount.

Find out if Earthquake Brace + Bolt is available in your ZIP Code! 

Have additional questions? Contact our Information Desk! 

CEA Brace + Bolt

The CEA Brace + Bolt (CEA BB) program is available exclusively to CEA policyholders. To qualify, you must:
  • Own a qualifying house in a CEA BB ZIP Code,
  • Have been invited to participate by CEA, and
  • Have a CEA insurance policy on the qualifying house and have had that policy for the last three or more consecutive years.

Find out if CEA Brace + Bolt is available in your ZIP Code! 

Have additional questions? Contact our Information Desk! 

Calculate Your Earthquake Insurance Premium