Not necessarily, and this is the decision most Californians never realise they have. The California Earthquake Authority does not sell standalone policies. To buy a CEA policy you must already hold your homeowners, condo, renters or mobile-home policy with a CEA participating insurer, and both policies must sit with that same carrier. Most California home insurers are CEA members, so for most owners this is the default path. If yours is not a member, the CEA is simply unavailable, and the private market is your route rather than a fallback.
Related FAQs
Differently, because you do not own the building. Your association's master policy covers the structure, and where the association carries earthquake coverage, its deductible is typically assessed back to individual ...
Not automatically. Earthquake policies are built around the dwelling, personal property and loss of use. Detached structures, hardscape, pools, retaining walls and exterior features are commonly limited or excluded unless ...
There is no rate card, because the premium is built from the specific property. What moves it most: the age and construction of the home, whether it sits on a ...
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