Does Renters Insurance Cover Earthquakes?
Your Homeowners Policy Doesn’t Cover Earthquake Damage
In most cases, damage to your home from an earthquake is not covered by a homeowners insurance policy. In California, a separate policy is needed to protect your home investment and recover from the effects of a major earthquake. Prepare today with CEA earthquake homeowners insurance.
Personal Property
Personal property coverage protects items inside your house. This includes protection for furniture, appliances, clothing, sporting goods and electronics that are damaged or destroyed in the event of a major earthquake.
Personal property coverage protects items inside your house. This includes protection for furniture, appliances, clothing, sporting goods and electronics that are damaged or destroyed in the event of a major earthquake.
Loss of Use
Where would you live if after a major earthquake you couldn’t occupy your home? Loss of Use covers the additional cost of living elsewhere while your home is being rebuilt or when a civil authority prevents entry to your neighborhood because of earthquake damage. Keep in mind you may be paying your mortgage while in temporary rental housing. Loss of Use not only covers rent but also additional items, including food, moving, and storage expenses. Our Loss of Use coverage never has a deductible.
Where would you live if after a major earthquake you couldn’t occupy your home? Loss of Use covers the additional cost of living elsewhere while your home is being rebuilt or when a civil authority prevents entry to your neighborhood because of earthquake damage. Keep in mind you may be paying your mortgage while in temporary rental housing. Loss of Use not only covers rent but also additional items, including food, moving, and storage expenses. Our Loss of Use coverage never has a deductible.
Emergency Repairs
Emergency and necessary repairs may be needed after an earthquake to help protect your house and your family’s safety from additional earthquake damage or aftershocks. This would include rain damage that could seep into your home from earthquake damage—or labor and materials needed to board up damaged windows or remove broken glass from furniture. The first $1,500 has no deductible.
Emergency and necessary repairs may be needed after an earthquake to help protect your house and your family’s safety from additional earthquake damage or aftershocks. This would include rain damage that could seep into your home from earthquake damage—or labor and materials needed to board up damaged windows or remove broken glass from furniture. The first $1,500 has no deductible.
Learn More About CEA Renters Coverage
- Get more details about our renters policy coverages and deductibles.
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.