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We Provide Earthquake Insurance for Californians


​​​​​We have the right earthquake policies for you to recommend to your customers!

When an earthquake strikes, your customers want peace of mind knowing that the costs to repair their home and replace their belongings are covered. With California Earthquake Authority's (CEA) new, more flexible policy choices, you can offer your policyholders options that fit their needs and budgets.

CEA offers two policies for homeowners:

  • Homeowners Choice offers coverage for your customer's dwelling, emergency repairs, and building code upgrades (to bring their house up to current building codes while making covered repairs). Optional coverages are available for personal property (with its own, separate deductible that's waived if the Dwelling deductible is met) and loss of use, which has no deductible. Dwelling is required, and customers can choose other coverages, limits and deductibles to best meet their needs and budgets.
  • Standard Homeowners bundles all coverages into one package: dwelling (including emergency repairs and building code upgrades), Personal Property, and Loss of Use. Coverages, except Loss of Use (which has no deductible) are subject to the Dwelling deductible.

​Compare Policies​​

Coverage Homeowners Choice Standard Homeowners
Dwelling Included Included
Building Code Upgrade Included Included
​Personal Property Optional Included
Emergency Repairs Included Included
Loss of Use Optional Included
Breakables Optional Optional
Masonry Veneer Optional Optional

Does your client have a CEA earthquake policy with a start date in 2015? Learn more about their policy.

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Have more questions?

For more information, please contact:​

CEA Customer Service
Toll-free: 888.423.2322