Coverage Options for Homeowners

Our earthquake insurance for homeowners allows you to customize your policy.

Coverages Standard Homeowners Homeowners Choice Additional Information
Home (Dwelling) Included Included Covers earthquake damage to your home and certain structures attached to it, like an attached garage.
Coverage Limits Same as your homeowners insurance policy Same as your homeowners insurance policy Your home is covered up to the dwelling’s insured value on your homeowners insurance policy. For example, if your home insurance value is $200,000, your earthquake insurance coverage will be the same amount.
Deductible 5%–25% 5%–25% Deductible options are 5%, 10%, 15%, 20%, and 25% of your dwelling (home) coverage. Homes with a Coverage A dwelling limit greater than $1,000,000, or dwellings built before 1980 on a raised or other type of foundation that do not have a verified retrofit, are only eligible for a 15%, 20%, or 25% deductible.

Claim-payment example:

  • Your dwelling is insured for $500,000.
  • You have purchased a 5% ($25,000) deductible.
  • An earthquake causes $80,000 in covered damage.
  • Your claim payment would be $55,000 (your covered loss, less your deductible, up to the limit of insurance purchased).
Personal Property Included Optional Covers damage to your belongings, like TVs and furniture.
Coverage Limits Up to $25,000 Up to $25,000 Available in limits of $5,000 or $25,000.
Deductible Included under your dwelling deductible—no personal property losses can be paid unless dwelling loss exceeds the policy’s deductible. 5%–25% The Homeowners Choice policy offers personal property coverage deductibles of 5%–25%. Homes with a Coverage A dwelling limit greater than $1,000,000, or dwellings built before 1980 on a raised or other type of foundation that do not have a verified retrofit, are only eligible for a 15%, 20%, or 25% deductible.

Claim-payment example:

  • Your dwelling is insured for $500,000 with a 10% deductible ($50,000).
  • You have personal property coverage for $25,000 with a 5% deductible ($1,250).
  • An earthquake causes $20,000 in personal property damage.
  • Your personal property deductible allows you to receive $18,750 (the covered damage less the deductible).
Loss of Use Included 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 home. If your dwelling is held for rent, loss of use (fair rental value) is covered.
Coverage Limits Up to $100,000 Up to $100,000 Available in limits of $1,500, $10,000, $15,000, $25,000, $50,000, $75,000, and $100,000.
Deductible None None There is never a deductible for Loss of Use coverage.
Building Code Upgrade Included Included Local authorities often require that rebuilding or significant repair work be performed in a manner consistent with current building codes (not the codes that were in effect when the property was built). This coverage helps pay expenses associated with code-compliant rebuilding or repairs.
Coverage Limits $10,000 included; $20,000 and $30,000 optional $10,000 included; $20,000 and $30,000 optional All CEA homeowners policies include $10,000 in building code upgrade coverage. You can also choose to raise the coverage to $20,000 or $30,000.
Deductible Paid after the dwelling deductible is met Paid after the dwelling deductible is met Once your covered dwelling damage exceeds the deductible, you could be eligible for payment of Building Code Upgrades, up to your chosen limit.
Emergency Repairs Included Included Covers earthquake-damage repairs that are needed to protect your house or personal property from further damage (examples: repair broken windows or remove broken glass).
Coverage Limits Up to 5% of homeowners and personal property limit Up to 5% of homeowners and personal property limit Covers earthquake-damage repairs needed to protect your house or personal property from further damage, such as repairing broken windows or removing broken glass.
Deductible First $1,500 has no deductible First $1,500 has no deductible Emergency Repairs provide coverage up to 5% of dwelling and 5% of personal property limit. The first $1,500 is not subject to the deductible.

Read Your CEA Policy Carefully

*We encourage you to read your entire CEA policy—and its policy declarations page—and talk to your agent 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.

Homeowners 2025 Policy Samples

Homeowners 2026 Policy Samples