Does Renters Insurance Cover Earthquakes?

Your Renters Policy Doesn’t Cover Earthquake Damage

In most cases, damage to your home from an earthquake is not covered by a renters insurance policy. In California, a separate policy is needed to protect your personal property and recover from the effects of a major earthquake. Prepare today with CEA earthquake renters insurance.

CEA Renters Coverage Options*

Get a quick earthquake insurance estimate using the Premium Calculator and talk to your renters insurance company about your earthquake-coverage choices.

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Personal Property

Personal property coverage protects items inside your home. This includes protection for furniture, appliances, clothing, and sporting goods that are damaged or destroyed in the event of a major earthquake.

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Personal property coverage protects items inside your home. This includes protection for furniture, appliances, clothing, and sporting goods that are damaged or destroyed in the event of a major earthquake.

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Loss of Use

Loss of Use covers the additional cost of living elsewhere if you cannot safely occupy your home due to earthquake damage while your home is being repaired or when a civil authority prevents entry to your home because of earthquake damage. Our Loss of Use coverage never has a deductible.

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Loss of Use covers the additional cost of living elsewhere if you cannot safely occupy your home due to earthquake damage while your home is being repaired or when a civil authority prevents entry to your home because of earthquake damage. Our Loss of Use coverage never has a deductible.

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Emergency Repairs

Emergency repairs covers earthquake-damage repairs that are needed to protect your personal property from further damage.

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Emergency repairs covers earthquake-damage repairs that are needed to protect your personal property from further damage.

What Do I Need to know about CEA Earthquake Insurance?

Earthquake insurance for renters is not required in California. If you choose not to protect yourself with earthquake residential insurance, you will be responsible for the cost to replace your belongings and the expense of finding another place to live if your rented home is damaged or destroyed after a major earthquake.

CEA earthquake insurance for renters could cost as little as $35 per year. The cost of your policy depends on factors like where you live, and the coverages and deductibles you choose.

We work with participating residential insurers in California to make buying earthquake coverage easy. You don’t need to wait until your renters policy comes for renewal.

Contact your renters insurance agent to add a CEA earthquake renters policy.

Learn More About CEA Renters Coverage

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.

Renters 2025 Policy Samples

Renters 2026 Policy Samples