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We Provide Earthquake Insurance for Californians

Retrofit Discounts and Incentives

​​​​​​​​​​​​​​​​Premium discounts for retrofitted houses

  • CEA now offers a higher premium discount—up to 20 percent—for properly retrofitted older houses.
  • We also offer a 23 percent premium discount, on average, for mobilehomes reinforced by an earthquake-resistant bracing system certified by the California Department of Housing and Community Development.
How to get the higher premium discount for retrofitted houses

Policyholders owning houses built before 1979 can qualify for a premium discount of up to 20 percent. The actual premium discount depends on when your house was built and whether a qualified inspector has certified that your retrofit was done properly. Does your retrofitted house qualify?

  • For more information about the Hazard Reduction Discount, please call 888.933.9876 or contact your home insurance company.
  • Download the Hazard Reduction Discount Verification form . Please submit this form to your homeowners insurance company. CEA does not accept submissions.
Discount Year Built Verification Type Required Documentation
5% Prior to 1979 Self-Verified Any of the following:
  • Policyholder-signed CEA application; or
  • Company file documentation; or
  • On-site inspection.
10% 1960 to 1978 Verification Form Complete and submit a CEA Earthquake Insurance Dwelling Retrofit Verification Form that has been signed by a civil or structural engineer or a licensed contractor.
20% Prior to 1960

Financial Incentives to help pay for a seismic retrofit

Seismic retrofits consist of strengthening houses built before seismic building codes were standard practice, to make them more resistant to earthquake damage.

One way of seismically retrofitting older houses is to bolt the house to its foundation and brace the walls around the basement or crawl space with plywood.

If your home:

  • Has a wood frame
  • Was built before 1979
  • Is on a raised foundation (you have a crawl space under your house)

…then you may need a brace and bolt seismic retrofit to help keep your house from sliding off of its foundation during an earthquake.

  • A brace and bolt retrofit typically costs between $3,000 and $7,000.

The Earthquake Brace + Bolt Program offers up to $3,000 in financial incentives to CEA policyholders as well as to non-policyholder homeowners with qualifying houses in a limited number of higher-seismic-risk ZIP codes

Hazard Reduction Discount Questions?
Call toll-free: 888.933.9876