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CEA Renters Policy Coverages & Deductibles

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You might be surprised to discover how flexible and budget-friendly earthquake insurance can be. CEA offers a variety of coverage choices and deductible options.

CEA is not-for-profit. Our insurance rates are based on the best available science and research, not profit.

Use the CEA premium calculator to get an insurance cost estimate. Then, contact your residential insurer, who will help you purchase your CEA policy.

How to Buy a Policy

Coverage options for renters

Our earthquake insurance for renters lets you set the coverage limits that are best for you.

Coverages Renters Policy Additional Information
Personal Property Included Covers damage to your belongings, such as TVs and furniture.
Coverage Limits Up to $25,000 Available in limits of $5,000 or $25,000.
Deductible 5%-25%

Claim-payment example:

  • If you have $25,000 in Personal Property coverage, and
  • You have purchased a 5% ($1,250) deductible, and
  • An earthquake causes $20,000 in damage to your covered belongings, then
    • You will receive a payment for $18,750 (the covered damage, less the deductible, up to the limit purchased).
Loss of Use Included

Covers additional living expenses if you need to live and eat elsewhere because earthquake damage or a civil authority prevents you from residing in your rented house, apartment or room.

Coverage Limits Up to $100,000 Available in $1,500, $10,000, $15,000, $25,000, $50,000, $75,000 and $100,000 limits.
Deductible None There is never a deductible for Loss of Use.
Emergency Repairs Included

Covers earthquake-damage repairs that are needed to protect your personal property from further damage (example: if there is a hole in your roof and you have to buy a tarp to cover your personal belongings to protect them from a rainstorm).

Coverage Limits $1,000 or 5% of Personal Property coverage

If your rented house, apartment or room is damaged by an earthquake, Emergency Repairs will cover up to $1,000 to protect your personal belongings from further damage.

Deductible Emergency Repairs are paid, up to the limit, after your Personal Property deductible is met

There is no deductible for Emergency Repairs. Emergency repairs begin after the Personal Property deductible has been met.


Not available for new policies written on or after August 1, 2023 and renewals on or after November 1, 2023.

Contact your CEA earthquake insurance provider or use the CEA premium calculator to get a policy premium estimate.

We encourage you to read your entire CEA policy—and its policy declarations page—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. Refer to a sample policy, below.

* Reflects policy option changes that went into effect for new policies written on or after August 1, 2023 and for renewals on or after November 1, 2023. These changes include Dwelling Deductible Options (Coverage A), Personal Property Limits (Coverage C), Breakables, and Exterior Masonry Veneer. Learn more about our 2023 Policy Option Changes.

Renters Coverages & Deductibles FAQs

We’ve gathered some frequently asked questions from renters to help you understand how a CEA policy can help you recover from the next damaging earthquake.

Q: Won’t my landlord’s policy cover my belongings?

A. Generally not. You’ll first need a separate renters policy, and then a CEA earthquake insurance policy, to cover damage to your personal belongings such as TVs and furniture, and to cover loss of use in case earthquake damage keeps you out of your home.

Q: How does CEA’s deductible work? Do I have to pay the deductible before receiving a payment?

A. You do not pay your deductible out-of-pocket. The deductible is subtracted from your covered damage so you don’t have to pay any of the deductible up front to receive a claim payment. 

Q: Will CEA pay for any expenses if I have to move out of my rented home because of earthquake damage?

A. All CEA renters policies include Loss of Use coverage, which means you are eligible for the additional living expenses necessary to maintain your normal standard of living, up to the coverage limit you selected. Remember that Loss of Use coverage never has a deductible!

Q: Who handles CEA applications, renewals, and claims?

A. CEA participating residential insurance companies process all policy applications, renewals, payments and claims.

Q: Is my home at risk from an earthquake?

A. There are thousands of known faults in California, and scientists continue to discover new ones. Since earthquakes can happen anywhere in California, damage to your home and personal property is always possible. Check to see earthquake risk near you and take steps to get prepared!

Calculate Your Earthquake Insurance Premium