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Policy Management FAQs

Policy Management FAQs

Q. Who do I contact if I have an earthquake damage claim?
A. CEA participating residential insurance companies process all claims on our behalf. Please contact them directly if you have an earthquake damage claim.
Q. How can I access my bill?
A. The CEA insurance provider that insures your residence (for fire and theft) services CEA policies on our behalf. They also determine how your bill is delivered to you and what payment methods to offer you. Please contact your insurance agent to learn more about what options are available to you
Q. Where do I send my bill?
A. Make your CEA policy payment to the residential insurance company that sold you your CEA policy—not CEA. They handle all billing for your CEA policy on our behalf.
Q. My premium increased. How can I lower my bill?
A: There are several ways to lower what you pay for earthquake insurance.
  • Choose a higher deductible to lower your premiumCEA deductibles range from 5% to 25%, in 5% increments.
  • If your home is insured under a CEA Homeowners Choice policy, you can reduce your costs by declining personal property and loss of use coverages and only insuring the dwelling itself.
  • Make sure your coverage limits make sense for your needs. Do you rent a 1-bedroom, but have the highest possible personal property limit of $200,000? Make sure your coverage limits accurately reflect what you own.
  • If you have an older retrofitted house, you may qualify for a  Hazard Reduction Discount of up to 25%, with proper verification. Call your agent or CEA participating residential insurer for details.

To learn more about your premium and options, visit our Premium Changes page.

Q. What payment options are available?
A. The residential insurance company that sold you your CEA policy decides what payment methods and schedules (including pay by credit card or monthly installments) are available to pay CEA policy premiums. Please contact them to see what options they offer. 
Q. I want to choose an insurance company that offers CEA policy bill payment or viewing options that work best for me. What do I need to know?
A. Contact the residential insurance companies you are considering, and find out what options they offer CEA policyholders. Because CEA does not offer stand-alone earthquake policies, your CEA policy has to be with the same insurance company as your residential insurance policy. Those companies sell and service CEA policies on our behalf, and they determine what billing and payment options to make available to you. 
Q. What is CEA doing regarding late payments or other CEA policy issues during the COVID-19 pandemic?
A. CEA policy billing, payments, changes and renewals are not handled by CEA. The servicing of your policy—including any accommodations due to the ​COVID pandemic—is handled by the residential property insurance company that issued your CEA policy. You will need to contact that insurance company for details on how they are managing grace periods, late payments, or other policy issues that may arise related to COVID-19.

Read the California Insurance Commissioner's latest bulletin on grace periods, and contact your insurance company directly for more information.

Q. What is CEA doing regarding late payments related to the July-August wildfires?​

A. CEA policy billing and payments are not handled by CEA—all billing is performed by the participating residential insurer that issued your CEA policy. That participating insurer manages CEA policy billing, including managing any accommodations that are being made for late payments due to the wildfires and the California Insurance Commissioner's notice on the grace period. That being said, CEA expects all participating insurers to comply with the directive. You will need to contact the residential property insurance company through which your CEA policy was issued for details on how that company is managing the wildfire grace period.

Calculate Your Earthquake Insurance Premium