The CEA offers coverage through its member home insurers; private insurers write earthquake coverage independently, sometimes with different deductibles, higher limits, or standalone policies. We help you compare both.
Related FAQs
Wood-frame homes tend to perform better than masonry, but they are not immune. Coverage still protects against major structural and contents loss.
Earthquake deductibles are a percentage of your dwelling limit, designed for major structural loss. You can often choose a lower percentage for a higher premium. The structure reflects the ...
No. California homeowners, condo, and renters policies exclude earthquake damage; it requires a separate policy or endorsement.
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