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CEA is a not-for-profit organization that provides earthquake insurance to California residents. Learn about earthquake risks, how to prepare and protect your home, and policy option changes.
- Free Estimate
California Earthquake Authority (CEA) provides a variety of...
- Earthquake Insurance Policies
Earthquake Insurance Coverage. California is earthquake...
- Insurance Agent Portal
CEA gives you the edge you need to help your residential...
- Homeowners
Make an affordable earthquake insurance choice with CEA...
- FAQs
Without earthquake insurance coverage in California, you...
- Earthquake Risk
A. According to the third Uniform California Earthquake...
- Prepare Your House
A. California has two-thirds of our nation's earthquake...
- About CEA
California Earthquake Authority (CEA) is one of the world's...
- List of Notable and Major California Earthquakes
California's Earthquake History. Although earlier...
- Personal Preparedness
Complete your earthquake preparedness in California with...
- Free Estimate
CEA offers residential earthquake insurance for homeowners, renters, condo owners and mobilehome owners in California. Use the premium calculator to estimate the cost of a CEA policy or compare with other providers.
CEA is a not-for-profit provider of residential earthquake insurance with more than 1 million policyholders and $20 billion in claim-paying capacity. Learn about our history, leadership, financial strength, research, and how to join or contract with us.
Learn about CEA, a not-for-profit organization that provides earthquake insurance and promotes earthquake preparedness in California. Find out how to get a premium discount, calculate your premium, and prepare your house for earthquakes.
- Born Out of Crisis
- How Does The California Earthquake Authority Work?
- What Does Cea Earthquake Insurance Cover?
- What’s Not Covered by Cea Insurance?
- How Does Cea Compare with Other Earthquake Insurance Providers?
- How Many Californians Have Cea Insurance?
- Common Misconceptions About The Cea
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CEA was established to address a serious financial crisis. In 1994, the 6.7-magnitude Northridge earthquake hit Southern California’s San Fernando Valley, causing an estimated $26.4 billion in insured losses (as measured in 2018 dollars). It ranks as the costliest quake in U.S. history. In response to the Northridge disaster, insurance companies ac...
The CEA fills an insurance void in California. State law mandates that homeowners insurancecompanies must offer earthquake coverage to residential customers. But also under state law, these insurers have excluded damage caused by earthquake shaking from coverage for more than 30 years. Therefore, a separate policy is required for residential earthq...
Basic California Earthquake Authority insurance covers: 1. House damage, up to the same dollar amount covered by your homeowners insurance policy. Some items are excluded, such as pools, fences and landscaping. 2. Personal belongings, from $5,000 up to $200,000. This includes furniture, TVs, clothes, toys and computers. Things like china and crysta...
While CEA earthquake insurance covers a number of scenarios, it ordinarily doesn’t cover: 1. Fire damage.A homeowners policy will cover fire damage, even if it’s caused by an earthquake. 2. Damage to land,such as sinkholes. 3. Water damage.This includes damage caused by a flood, tsunami or sewer backup. 4. Vehicle damage. This type of damage can be...
While CEA insurers offer the bulk of residential earthquake policies in California, other insurers also sell coverage. And CEA coverage may be different from other earthquake insurance options, such as GeoVera. There are discounts available for retrofitting. See the CEA’s discount page. The CEA develops its own insurance contracts and insurance rat...
The California Earthquake Authority has over 65% of the residential earthquake insurance market in California. This totals about 1 million policies. Among those, about 184,000 are Homeowners Choice policies. Under state law, CEA’s rates must let it stay financially sound yet be able to pay claims. Also, the rates “must be based on the best availabl...
One of the biggest misunderstandings about CEA revolves around what it does. It’s not an insurance company. The CEA itself does not sell earthquake policies or provide customer service for these policies. All insurance applications, billing questions and claim inquiries must be directed to the appropriate insurer that’s participating in the CEA pro...
The CEA is a nonprofit entity that sells earthquake insurance to Californians through 22 participating insurers. Learn about its history, coverage, rates, discounts and limitations.
The California Earthquake Authority (CEA), established in September 1996 by the California Legislature following the Northridge Earthquake, is a privately financed, publicly managed entity based in Sacramento, California.
Estimate your CEA earthquake insurance premium. Start by choosing the type of coverage you need.
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