Join over one million Californians who have chosen CEA residential earthquake insurance policies to protect their homes and families. Buy earthquake insurance today. CEA is not-for-profit. Our insurance rates are based on the best available science and research, not profit.
Choose the earthquake insurance coverage that fit your needs and budget. There are home insurance companies that sell and service our residential earthquake insurance policies for homeowners, renters, condo-unit owners and mobilehome owners.
Follow these four easy steps to buy earthquake insurance in California
Step 1: Know Your Risk.
Learn about your risk, and how to get prepared.
Step 2: Get an Earthquake Insurance Cost Estimate.
The cost of your policy depends on many factors: the earthquake risk where you live, the age of your home, construction type, and the coverages and deductibles you choose. CEA offers flexible coverage choices as well as more deductible options to help you find a policy that best meets your needs and budget. Use our Premium Calculator to estimate the cost of your earthquake insurance policy.
Step 3: Find your insurance company on CEA’s participating residential insurance companies list.
Buy a CEA earthquake insurance policy through one of our participating insurance companies. CEA does not offer stand-alone policies. You must have a residential property insurance policy with one of our providers in place in order to purchase a CEA earthquake policy – see the CEA participating residential insurance companies.
Step 4: Call Your Insurance Company.
You can buy a CEA insurance policy from the same insurance company you purchased your homeowners or renters policy.
Share the premium estimates with your agent. They will process your application, handle bill payment and policy renewal, and help you file a claim in case of earthquake damage or loss.
You don’t have to wait until your residential policy renews to buy a CEA policy. Protect your home today, before the next big earthquake strikes.
Contact your residential insurance agent you already know and trust to get CEA earthquake coverage today.