CEA is not-for-profit. Our insurance rates are based on the best available science and research, not profit.
Contact your residential insurer to purchase your CEA policy. You can also use the CEA premium calculator to get an insurance cost estimate.
Coverage options for renters
Our earthquake insurance for renters lets you set the coverage limits that are best for you.
| Coverages | Renters Policy | Additional Information |
|---|---|---|
| Personal Property | Included | Covers damage to your belongings, such as TVs and furniture. |
| Coverage Limits | Up to $25,000 | Available in limits of $5,000 or $25,000. |
| Deductible | 5%-25% |
Claim-payment example:
|
| Loss of Use | Included |
Covers additional living expenses if you need to live and eat elsewhere because earthquake damage or a civil authority prevents you from residing in your rented house, apartment or room. |
| Coverage Limits | Up to $100,000 | Available in $1,500, $10,000, $15,000, $25,000, $50,000, $75,000 and $100,000 limits. |
| Deductible | None | There is never a deductible for Loss of Use. |
| Emergency Repairs | Included |
Covers earthquake-damage repairs that are needed to protect your personal property from further damage (example: if there is a hole in your roof and you have to buy a tarp to cover your personal belongings to protect them from a rainstorm). |
| Coverage Limits | $1,000 or 5% of Personal Property coverage |
If your rented house, apartment or room is damaged by an earthquake, Emergency Repairs will cover up to $1,000 to protect your personal belongings from further damage. |
| Deductible | Emergency Repairs are paid, up to the limit, after your Personal Property deductible is met |
There is no deductible for Emergency Repairs. Emergency repairs begin after the Personal Property deductible has been met. |
Contact your CEA earthquake insurance provider or use the CEA premium calculator to get a policy premium estimate.
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. Refer to a sample policy, below.