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We Provide Earthquake Insurance for Californians

My premium increased. What can I do to lower the cost of my CEA earthquake coverage?

There are several ways to lower what you pay for earthquake insurance.

  • Choose a higher deductible to lower your premium—CEA deductibles range from 5% to 25%, in 5% increments.
  • If your home is insured under a CEA Homeowners Choice policy, you can reduce your costs by declining personal property or loss of use coverages, or both—you should make that decision carefully, of course, but if you forgo those coverages, you will probably pay less for CEA earthquake insurance.
  • Make sure your coverage limits make sense for you. Do you rent a 1-bedroom, but have the highest possible personal property limit of $200,000? Make sure your coverage limits accurately reflect what you own.
  • If you have an older retrofitted house on a raised foundation, you may qualify for a Hazard Reduction Discount of up to 20%, with proper verification. Call your agent or CEA participating insurer for details.