![]() ![]() Your basic homeowners and renters insurance policies do not cover earthquake damage. You also don't have to wait until your residential policy renews in order to purchase a CEA policy.įor the best choice of coverages and premiums, buy earthquake insurance in California from CEA.A. Though California has nearly 16,000 known earthquake faults, you are not required by state law to carry earthquake insurance. Protect your home before the next big earthquake strikes by contacting your residential insurer to add earthquake insurance. By law, your insurer is required to send a mandatory offer letter at least every two years if you do not yet have earthquake insurance. But don't worry if you happen to miss the due date shown in your mandatory offer letter! You can purchase a CEA policy at any time, simply by contacting your residential insurer. Since the 1980s, California law has mandated that insurance companies selling residential insurance also offer earthquake insurance. You may receive a letter from your insurance company offering you a CEA earthquake insurance policy. If you choose not to protect yourself with earthquake residential insurance, you will be responsible for 100 percent of the cost to repair your home and replace your belongings after a major earthquake. One thing is certain: California, with nearly 16,000 known faults, is due for a devastating earthquake in the near future.Įarthquake insurance is not required in California, unlike automobile liability insurance. ![]() There aren’t any warning signs or advanced notice. Protect your home today, before the next big earthquake strikes.Ĭontact your residential insurance agent you already know and trust to get CEA earthquake coverage today.Ī. Earthquakes are unlike any other natural disaster. You don’t have to wait until your residential policy renews to buy a CEA policy. They will process your application, handle bill payment and policy renewal, and help you file a claim in case of earthquake damage or loss. Share the premium estimates with your agent. You can buy a CEA insurance policy from the same insurance company you purchased your homeowners or renters policy. CEA does not offer stand-alone policies. You must have a residential property insurance policy with one of our providers in place in order to purchase a CEA earthquake policy – see the CEA participating residential insurance companies. Step 3: Find your insurance company on CEA’s participating residential insurance companies list.īuy a CEA earthquake insurance policy through one of our 25 participating insurance companies. Use our Premium Calculator for a free estimate. CEA offers flexible coverage choices as well as more deductible options to help you find a policy that best meets your needs and budget. The cost of your policy depends on many factors: the earthquake risk where you live, the age of your home, construction type, and the coverages and deductibles you choose. Learn the facts about California earthquakes, your risk, and how to get prepared. Follow these four easy steps to buy earthquake insurance in California Twenty-five home insurance companies sell and service our residential earthquake insurance policies for homeowners, renters, condo-unit owners and mobilehome owners. ![]() Our insurance rates are based on the best available science and research, not profit.Ĭhoose the earthquake insurance coverage that fit your needs and budget. Join over one million Californians who have chosen CEA residential earthquake insurance policies to protect their homes and families. Home > Insurance Policies > How to Buy How to Buy a Residential Earthquake Insurance Policy ![]()
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