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.
Coverage options for renters
Our earthquake insurance for renters lets you set the coverage limits that are best for you.
|Covers damage to your belongings, such as TVs and furniture.
|Up to $200,000
|Available in limits of $5,000 or $25,000.
|Loss of Use
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.
|Up to $100,000
|Available in $1,500, $10,000, $15,000, $25,000, $50,000, $75,000 and $100,000 limits.
|There is never a deductible for Loss of Use.
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).
|$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.
|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.
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.
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.
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.
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.
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!
A. CEA participating residential insurance companies process all policy applications, renewals, payments and claims.