Earthquake insurance covers some of the losses and damage that earthquakes can cause to your home, belongings, and other buildings on your property.If you have a mortgage, you must have homeowners insurance. The California Earthquake Authority (CEA) The California Earthquake Authority (CEA) provides most earthquake insurance in California.
But you can buy it from insurance companies that are members of CEA.
Most companies in California that sell homeowners or renters insurance are members of CEA. You must have homeowners or renters insurance to get CEA earthquake insurance. There are three (3) main parts of the basic earthquake coverage offered by the California Earthquake Authority (CEA). This covers your home up to a certain amount, called the limit.
Additional Coverage You may be able to buy building code upgrade coverage.
You may also be able to buy additional coverage for limited debris removal, land restoration, and emergency repairs.
The CEA Homeowners Choice policy includes $1,500 for emergency repairs, with no deductible.