When an earthquake strikes, you want peace of mind knowing that the costs to repair your home and replace your belongings are covered. With California Earthquake Authority’s (CEA) new, more flexible policy choices, you can choose the options that meet your needs and your budget.
Did you know? Most homeowners policies don’t cover earthquake damage. You need a separate earthquake insurance policy to cover your home and your belongings.
Choose between two policies
With a CEA homeowners earthquake insurance policy, you can choose the coverages and deductibles you need. We offer two policies for homeowners:
Homeowners Choice offers coverage for your house, building code upgrades and emergency repairs. We also offer optional personal property coverage for your belongings, and loss of use, which can pay for additional living expenses if you have to live elsewhere due to earthquake damage. Homeowners Choice is flexible—you choose the coverages and options you need.
Standard Homeowners bundles all of the coverages we offer into one package: home, personal property, building code upgrades, the additional costs to live elsewhere due to earthquake damage (Loss of Use), and emergency repairs.
Choose the policy that provides the coverage options you want:
|Coverage||Homeowners Choice||Standard Homeowners|
|Building Code Upgrade (Costs to bring your home up to current building code while making covered repairs)||Included||Included|
|Personal Property (belongings)||Optional||Included|
|Loss of Use (Costs exceeding your current housing expenses, to live elsewhere if your home is uninhabitable after an earthquake.)||Optional||Included|
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 homeowners insurance policy from one of our participating insurance companies.
- You can also download a Homeowners Brochure.pdf, or order policy brochures online.
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 see what is covered and what is not. Exclusions and special limits apply.
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.