A private market writes California earthquake coverage independently of the CEA, led by carriers such as GeoVera and Palomar. These are standalone policies, so they do not require your homeowners policy to sit anywhere in particular. They generally offer a wider range of deductibles, including options below the CEA floor, and they are typically willing to write lower deductibles on higher-value homes where the CEA restricts them. Some private earthquake capacity is written on a surplus lines basis, which means a non-admitted carrier and a different set of consumer protections. That trade is worth understanding before you choose, and we can walk through what it means for your situation.
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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