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We Provide Earthquake Insurance for Californians

Rates and Premiums

CEA is focused on offering customers the best rates

  • California Earthquake Authority (CEA) has reduced Renters earthquake insurance rates overall by 38% since we were established in 1996, making earthquake insurance more affordable than ever!
  • CEA premiums are based on science, not profit. We use the best science available to determine competitive earthquake insurance rates.
  • We are not-for-profit, publicly managed, and privately funded. Our Governing Board of elected state officials ensures our premiums are as low as possible while remaining fiscally sound.
Some commonly asked questions about our rates and premiums
​Q: How much does a CEA policy c​ost?
A: The minimum annual premium for CEA Renters Policy is $35. Different factors determine your premium, such as:
  • Earthquake risk where you live.
  • The policy coverages, limits and deductibles you choose.

Find a policy that works with your budget and coverage needs. And use our Premium Calculator to get a policy estimate.

Q: Will CEA be able to pay all of its claims if there is an earthquake?
A: CEA has a claim-paying capacity of more than $13 billion. Also:
  • CEA is financially sound, with an A- (Excellent) rating from A.M. Best Co., the world's leading rating agency of insurance companies.
  • CEA is privately funded. We don't receive any money from the state, so state budgets and budget deficits have no impact on our ability to pay claims.

​​​​​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.

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.