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Benefits of Earthquake Insurance

Why Consider Earthquake Insurance

Image: House with earthquake damage

Reason 1: A standard residential policy doesn’t cover earthquake damage. But we do.

Don’t be left to pay all recovery costs yourself.

A CEA policy, purchased in addition to your homeowners, mobilehome owners, condo, or renters policy, will help you be financially protected against earthquake damage.

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Reason 2: It’s not a matter of if, but when, the next damaging earthquake will strike.

Scientists say there’s more than a 99% chance of one or more magnitude 6.7 or greater earthquakes striking our state within the next 30 years.* We’ve seen the recent destruction in areas like Ferndale (2022), Ridgecrest (2019), and Napa (2014) from more moderate magnitude quakes. Get prepared now.

Image: A house in Rio Dell, Humboldt County, before the recent earthquakes
A house in Rio Dell, Humboldt County, before the recent earthquakes.
Image: The same house, after the recent earthquakes.
The same house, after the recent earthquakes.

Learn More About California’s Earthquake Risk

Reason 3: Make sure you have a place to live.

Image: Father hugging 2 children

CEA earthquake insurance covers loss of use, also known as additional living expenses, with no deductible. If earthquake damage or an emergency order keeps you out of your home after an earthquake, this coverage can help pay for things like the cost you incur to stay in a hotel or renting a different place to live in while your own home is being repaired.

Reason 4: Have peace of mind that you are prepared for the next big one.

An insurance policy from CEA helps you to rebuild, repair, and replace property damaged by an earthquake. Learn more about our four policy types:


Condo Unit Owners

Mobilehome Owners


Reason 5: Get a discount for making your house safer.

CEA offers a discount—enabling you to reduce your CEA earthquake insurance premium—if you increase your house’s safety by strengthening it with a seismic retrofit.

Homeowners may receive a discount of up to 25% if their older, wood-framed house has been seismically retrofitted in accordance with California Building Code standards.

Mobilehome owners can receive a discount of 21% if their home is reinforced with an earthquake-resistant bracing system or has been installed on an approved foundation system.

Learn more about the details and how to qualify for a Hazard Reduction Discount for homeowners and mobilehome owners and how to receive savings on your policy premium.

*The probability is based on a 30-year period, beginning in 2014.

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