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We Provide Earthquake Insurance for Californians

Coverages & Deductibles

​​​​​​​​​The risk is real: To your house. To your financial security. To your peace of mind.

A California Earthquake Authority (CEA) policy covers you so that you can repair, rebuild and recover after an earthquake strikes.

CEA offers more coverage choices and more deductible options with two homeowners policies: Homeowners Choice and standard Homeowners. Choose the best policy for your needs and budget.

Coverages
Standard Homeowners
Homeowners Choice
Home
(dwelling)
Included
Included
Dwelling (and extensions to dwelling) covers your house’s structure as well as any attached extensions such as an extra room or garage.
Coverage Limit
Same as the companion residential property policy
Same as the companion residential property policy
Your house is covered up to your house’s insured value on your fire or residential policy. For example, if your primary residence's insured value is $200,000, your earthquake insurance will cover your residence for the same amount.
Deductible
5% - 25%
5% - 25%

Your deductible options are 5, 10, 15, 20 and 25 percent of your Dwelling (house) coverage.

Example: If your house is insured for $500,000 with a 5 percent deductible ($25,000), and an earthquake causes $80,000 in covered damage, your claim payment would be $55,000 (the difference between your covered damage and your deductible).

You do not have to pay the deductible out of pocket to receive a claim payment, it is simply subtracted from your total claim payment.

Personal Property
(belongings)
Included
Optional
Personal Property covers damage to your belongings, like TVs and furniture.
Coverage Limit
Up to $200,000
Up to $200,000
You can cover your personal property for $5,000, $25,000, $50,000, $75,000, $100,000, $150,000 or $200,000.
Deductible
The standard Homeowners policy includes Personal Property coverage, and it is paid up to your selected limit when your Dwelling deductible is met.
Personal Property is an optional coverage with Homeowners Choice policies.

With a Homeowners Choice policy, you can choose 5, 10, 15, 20 and 25 percent deductible for your personal property coverage. This deductible is separate from your dwelling deductible,which may allow you to receive a personal property claim payment even if your house is not badly damaged. And, if the Dwelling deductible is met, the personal property deductible is waived.

Example: With a Homeowners Choice policy, let’s say your house is insured for $500,000 and you have a 5 percent dwelling deductible ($25,000). You also have your personal property covered for $75,000 with a 10 percent deductible ($7,500). A moderate earthquake strikes and causes damage to your house, but causes $57,500 in personal property damage. Although your dwelling deductible wasn’t met, the separate-deductible feature for personal property allows you to receive a payment of $50,000 for your personal property! This payment is the difference between the covered damage to your personal property ($57,500) minus the deductible ($7,500).

Loss of Use
(additional living expenses if you have to live elsewhere following an earthquake)
Included
Optional
If you need to live and eat elsewhere after an earthquake (either because of earthquake damage or a civil authority prevents entry), Loss of Use can cover your expenses that are greater than what you normally would spend on housing and other living expenses. Loss of Use is an optional coverage with Homeowners Choice policies.
Coverage Limit
Up to $100,000
Up to $100,000
Loss of Use is available in $1,500, $10,000, $15,000, $25,000, $50,000, $75,000 and $100,000 limits.
Deductible
None
None
There is never a deductible for Loss of Use. Even if your dwelling deductible isn’t met, Loss of Use will cover you for additional living expenses if you have to live elsewhere following an earthquake, up to your chosen limit.
Building Code Upgrade
(costs to bring your house up to current building code standards while making covered repairs)
Included
Included
If your house suffers earthquake damage, Building Code Upgrade coverage can cover the costs to bring your house to current building code standards during covered repairs.
Coverage Limit
$10,000 included, $20,000 and $30,000 optional
$10,000 included, $20,000 and $30,000 optional
All homeowners policies include $10,000 in building code upgrade coverage. You can also choose to raise the coverage to $20,000 or $30,000.
Deductible
Building Code Upgrade is paid after your dwelling deductible is met
Building Code upgrade is paid after your dwelling deductible is met

Once your covered damage exceeds your Dwelling deductible, you could be eligible for payment for Building Code Upgrades, up to your chosen limit, to bring your home up to current building code standards.

Example: If your house is insured for $200,000 with a 20 percent deductible ($40,000), and an earthquake strikes causing $60,000 in damage, you will be covered up to $10,000 to bring your home up to current building code standards.

Emergency Repairs
Included
Included
Emergency Repairs covers immediate repairs needed after an earthquake that are necessary to protect your house from further damage, such as to repair broken windows or remove broken glass.
Coverage Limit
Up to 5% of homeowners and Personal Property limit
Up to 5% of homeowners and Personal Property limit
If your house is insured for $200,000 and an earthquake strikes causing $80,000 in damage, you have up to 5 percent ($10,000) in Emergency Repair coverage to make your house safe to live in.
Deductible
First $1,500 has no deductible
First $1,500 has no deductible
Emergency Repairs provide coverage up to 5 percent of your dwelling and 5 percent of your personal property limit. The first $1,500 is not subject to the deductible.
Breakables
Optional
Optional
Breakage is an optional coverage that covers breakable belongings like dishes and ceramics.
Exterior Masonry Veneer
Optional
Optional
Exterior Masonry Veneer is an optional coverage that covers exterior masonry veneer, such as decorative stone or brick. It applies to your Dwelling coverage and is subject to your Dwelling deductible.

Do you already have a policy with a start date in 2015? Learn more about your policy.

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 the full ​terms and definitions.