There is no moratorium on buying CEA coverage, which is the most common misconception in California earthquake insurance. A CEA policy can be bought anywhere in the state, at any time, by anyone whose home insurer participates. The Department of Insurance has had to correct insurers who described a purchase moratorium that does not exist.
What does apply is narrower. A new policy does not cover earthquakes that are seismically related to a prior event for 360 hours, which is 15 days, after it is written. That is an aftershock provision, not a bar on buying, and the distinction matters if you are deciding whether to act after a headline quake.
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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