Coverage Options for Homeowners

CEA’s earthquake insurance for homeowners allows you to choose between two policies: Standard Homeowners to purchase all of your coverages together under one deductible, or, Homeowners Choice to choose separate deductibles for your dwelling and personal property. With Homeowners Choice, you also may choose to purchase coverage only for your dwelling and decline other coverages.

Homeowners
Includes mobilehomes and manufactured homes
Coverages Deductibles Additional Information
Coverage D: Loss of Use

Standard Homeowners

  • Included coverage.
  • No deductible.

Homeowners Choice

  • Optional coverage.
  • No deductible.
 Available limits: $1,500, $10,000, $15,000, $25,000, $50,000, $75,000, $100,000.
Emergency Repairs
  • No deductible on first $1,500 of Emergency Repairs coverage.
  • Any amount over $1,500 is paid once the Coverage A & B or Coverage C deductible has been met.

Pays for the emergency measures taken to prevent further damage to covered property.

For any amount over $1,500, up to 5% of the Coverage A & B or Coverage C limit is included.
Building Code Upgrade Paid once the covered dwelling damage exceeds the Coverage A & B deductible.

Helps bring the home up to the building codes in effect on the date of the loss, up to $10,000.

A $20,000 or $30,000 coverage limit can be purchased.

Read Your CEA Policy Carefully

*We encourage you to read your entire CEA policy—and its policy declarations page—and talk to your agent 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.

Homeowners 2025 Policy Samples

Homeowners 2026 Policy Samples