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We Provide Earthquake Insurance for Californians

For Agents:  Homeowner Rates & Premiums

​CEA is committed to offering California homeowners competitive rates

  • CEA has reduced average statewide earthquake-insurance rates by nearly 55% since we opened our doors in 1996.
  • CEA now offers a premium discount of up to 20%—the "Hazard Reduction Discount"—to eligible policyholders who have strengthened, or "seismically retrofitted," their older houses to better resist earthquake shaking.
  • CEA rates are based on science, not profit. We use the best science ​available to determine competitive earthquake insurance rates.
  • We are not-for-profit, publicly managed, and privately funded. The CEA Governing Board of elected state officials ensures our rates are as low as possible while CEA remains fiscally sound.

Click here for frequently asked questions about homeowners rates and premiums