CEA Homeowner Rates & Premiums
California Earthquake Authority (CEA) is focused on offering homeowners the best rates
California Earthquake Authority (CEA) has reduced statewide-average rates for homeowners earthquake insurance by nearly 55% since we opened our doors in 1996, making earthquake insurance more affordable than ever!
CEA rates are based on science, not profit. We use the best available science and research to determine competitive earthquake insurance rates.
We are not-for-profit, publicly managed, and privately funded. The CEA Governing Board of elected state officials ensures our rates are as low as possible while remaining financially sound.
Read your CEA policy carefully
We encourage you to read your entire CEA policy to understand what is covered and what is not. Exclusions and special limits apply. Your homeowners insurance agent can answer any questions.
All details, limits, and conditions of CEA coverages are found in CEA insurance policies. Refer to a Sample Policy, below, for current CEA policy language.