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CEA Renters Earthquake Insurance Policies

young couple in apartment researching earthquake insurance on their laptopAre you ready for the next earthquake?

CEA renters earthquake insurance policies provides 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

Does renters insurance cover earthquakes?
Most standard renters policies don't cover earthquake damage.

And even if your landlord has earthquake insurance, their policy won’t cover your stuff. Get a CEA earthquake policy to cover your belongings and protect you if you need to move out. Contact your residential insurance company today! 

CEA renters coverage options*

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.
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 renters policy coverage

Get more details about our renters policy coverages and deductibles.  

Download an Earthquake Insurance for Renters 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. 

Renters Policy Sample (PDF) 
Optional Endorsement - Coverage for Breakables (PDF) 

Renters Insurance FAQs

We’ve gathered some frequently asked questions from renters 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 renters policy cost?
A. A CEA renters policy could cost as little as $35 per year. Of course, the cost of your policy depends on factors such as the earthquake risk where you live and the coverages and deductibles you choose. CEA offers coverage and limit 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. 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.
Q. What are my deductible options?
A. You can choose coverage deductibles of 5%, 10%, 15%, 20%, or 25%. 
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 to receive payment on a claim. The deductible is subtracted from your covered damage so you don’t have to pay any of the deductible up front before you receive your claim payment.  

Calculate Your Earthquake Insurance Premium

801 K Street, Suite 1000
Sacramento, CA 95814

Phone: (916) 325-3800
Toll Free: (877) 797-4300

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