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We Provide Earthquake Insurance for Californians

How much does a CEA homeowners earthquake insurance policy cost?

The minimum annual premium for a CEA standard Homeowners or Homeowners Choice policy is $100. Various rating factors determine your premium, such as:

  • Degree of earthquake risk where you live
  • Insured value of the house
  • The house's number of stories, age, and foundation and construction type
  • The policy coverages, limits and deductibles you choose
  • Whether or not the insured dwelling has been seismically retrofitted, per defined building code standards, and qualifies for the Hazard Reduction Discount

Find a homeowners policy that works with your budget and coverage needs. And use our Premium Calculator to get a policy premium estimate.