For Agents: CEA Condominium Earthquake Insurance Policies 

Is your customer’s condo unit ready for the next earthquake? 

CEA condominium earthquake insurance policies provide your customers with the strength they need to recover from a damaging earthquake.  

Talk to your customer about the CEA earthquake-coverage options that fit their needs and budget. And use our premium calculator to help get them a quick earthquake insurance price estimate. 
Did you know?
Earthquake damage and loss isn’t covered by standard condo or HOA insurance.

A CEA earthquake insurance policy can help pay for damages to the inside of your customer's unit and belongings. 

CEA condo unit coverage options* 

Building Property -

Building Property

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Helpful when the inside of your customer's condo unit is damaged, such as interior walls or fixtures.
Loss of Use -

Loss of Use

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A necessity for additional living expenses if your customer must live outside their home because of earthquake damage or as directed by a civil authority. This coverage never has a deductible.
Personal Property -

Personal Property

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Coverage to repair or replace your customer's covered personal belongings if they are damaged in an earthquake.
Building Code Upgrades -

Building Code Upgrades

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Helps cover the costs to get your customer's condo unit up to current building code standards.
Breakables -


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Useful coverage if glassware, crystal, china, ceramic, pottery, porcelain, or marble items are broken because of an earthquake.
Emergency Repairs -

Emergency Repairs

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Handy coverage when your customer needs to make urgent, necessary repairs after an earthquake to help protect their unit from further damage, such as plywood to board up damaged windows.
Loss Assessment -

Loss Assessment

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Up to their chosen coverage limit, Loss Assessment coverage helps pay your customer's share of certain assessments levied by their HOA on its members for earthquake-damage repairs or to pay a master-policy deductible. This coverage can help with charges for repairs to the exterior of your customer's condo development or certain common areas, as well as building code upgrades. Useful when certain charges get passed on to your customer by their HOA after an earthquake.  

Get more details about our condo policy coverages and deductibles.

Download a ​Condo Unit Owners Earthquake Insurance Brochure​ (PDF) or order policy brochures​ online​.

Ready to sell a CEA policy? 

*We encourage you to read the entire CEA policy—and its policy declarations page—to understand 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. 

Condo Unit Policy Sample (PDF)
Optional Endorsement - Coverage For Breakables (PDF)

Learn more by taking a free agent training course. Once you pass, you’ll earn 2 CE credits and become part of our special Marketing Value Program!  

Calculate Your Earthquake Insurance Premium

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