Calculate Your Earthquake Insurance Premium

California Earthquake Authority

Last updated 10/26/2018

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Description

Use the CEA Premium Calculator for a free CEA California residential earthquake insurance premium estimate. To purchase a CEA policy, you must contact a participating residential insurer.

Phone: 888-423-2322

Frequently Asked Questions

How much does a CEA earthquake insurance policy cost?

The cost of your policy depends on many factors such as the earthquake risk where you live(external link) and the coverages and deductibles you choose. CEA offers expanded coverage choices as well as more deductible options to help you find a policy that best meets your needs and budget(external link). Use CEA’s Premium Calculator(external link) for a free estimate.
Why do I need earthquake insurance?
In California, your residential insurance policy doesn’t cover your home or your belongings against earthquakes. If you don’t have earthquake insurance, you’re not covered for earthquake damage or any additional costs needed to live elsewhere while your home is being repaired or rebuilt. Contact your residential insurer(external link) today to get the earthquake insurance(external link) you need.
Why choose CEA earthquake insurance?
The not-for-profit CEA is one of the world’s largest providers of residential earthquake insurance. Our rates are based on science, not profit, enabling us to use the best science available to determine competitive earthquake insurance rates(external link).  CEA is actuarially sound and could pay all covered claims if the 1906 San Francisco, 1989 Loma Prieta, or 1994 Northridge earthquake reoccurred today.
Where can I buy a CEA earthquake insurance policy?
You can buy a CEA earthquake insurance policy through one of CEA’s participating residential insurance companies(external link). CEA does not offer stand-alone policies.

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