A CEA policy can cover what your condo unit and HOA's policies may not
Earthquake damage to your personal belongings or the inside of your unit are usually not covered by your condo unit or homeowners association (HOA) insurance.
And while some HOAs may have insurance to cover earthquake damage to a condo building’s exterior, many also require owners to share the non-covered repair costs or pay part of the HOA’s policy deductible (through a loss assessment).
To protect what's inside your condo, and to get help covering your loss assessment, you need a separate earthquake policy, like one from California Earthquake Authority (CEA).
You have choices
CEA gives condo unit owners more coverage choices and deductible options for earthquake insurance so you can customize your policy to meet your needs and budget:
|Coverage||Condo Unit Policy|
|Building Code Upgrade||Included when Building Property or Loss Assessment coverage is purchased|
|Personal Property (Belongings) and Loss of Use||Optional|
|Emergency Repairs||Included when Building Property or Personal Property is purchased|
Ready for the next step?
- Use our premium calculator to get an estimate of how much your policy may cost.
- Learn more about our policy Coverages and Deductibles and Rates and Premiums.
- To purchase a CEA policy, you must have a condominium unit owners insurance policy from one of our participating insurance companies.
- You can also download a Condo Unit Owners Brochure.pdf, or order policy brochures online.
Read your CEA policy carefully
We encourage you to read your entire CEA policy to understand what is covered and what is not. Exclusions and special limits apply. Your condo owners insurance agent can answer any questions.
All details, limits, and conditions of CEA coverages are found in CEA insurance policies. Refer to a Sample Policy, below, for current CEA policy language.