{ "$schema": "https://bestinsuranceresearch.com/llms-full.txt", "recordType": "source", "id": "cdi-earthquake-insurance-guide", "canonicalUrl": "https://bestinsuranceresearch.com/sources/cdi-earthquake-insurance-guide", "contentVersion": "2026.08.31", "generatedFor": "2026-09-06", "operator": { "legalName": "WJB Services, Inc.", "dba": "Bollinsure Insurance Services", "license": "6013787", "licenseAuthority": "California Department of Insurance" }, "license": "Text on this page may be quoted with attribution and a link to the canonical URL.", "notice": "Public page facts only. This record contains no visitor question, no tool input, and no identifier. It is not a coverage determination, an eligibility decision, or individualized advice.", "title": "Earthquake Insurance (information guide, text version)", "publisher": "California Department of Insurance", "url": "https://www.insurance.ca.gov/01-consumers/105-type/95-guides/03-res/eq-ins.cfm", "officialHost": true, "sourceType": "regulator-guidance", "authorityLevel": "regulator", "primary": true, "jurisdiction": "CA", "publishedDate": "unknown", "effectiveDate": "unknown", "accessedDate": "2026-08-31", "lastChecked": "2026-08-31", "updateCadence": "CDI revises this guide periodically and CEA limit and deductible options change by filing; re-verify each review cycle", "status": "active", "supportsClaims": [ { "claimId": "cdi-earthquake-insurance-guide#c1", "canonicalUrl": "https://bestinsuranceresearch.com/sources/cdi-earthquake-insurance-guide#c1", "checksum": "b097c8138f5d", "text": "If you have homeowners insurance in California, your company must offer to sell you earthquake insurance, and it must offer this every other year." }, { "claimId": "cdi-earthquake-insurance-guide#c2", "canonicalUrl": "https://bestinsuranceresearch.com/sources/cdi-earthquake-insurance-guide#c2", "checksum": "e0361867ef98", "text": "The offer must be in writing and must tell you the amounts it covers (the limits), the deductible, and the premium." }, { "claimId": "cdi-earthquake-insurance-guide#c3", "canonicalUrl": "https://bestinsuranceresearch.com/sources/cdi-earthquake-insurance-guide#c3", "checksum": "c3fdb8e2aeb2", "text": "You have 30 days to accept the offer, the 30-day period starts the date the company mails the offer to you, and if you do not reply you are rejecting the offer." }, { "claimId": "cdi-earthquake-insurance-guide#c4", "canonicalUrl": "https://bestinsuranceresearch.com/sources/cdi-earthquake-insurance-guide#c4", "checksum": "02eb9423fc03", "text": "Homeowners, renters, and condominium insurance policies do not cover damage from natural disasters such as earthquakes, floods, and landslides." }, { "claimId": "cdi-earthquake-insurance-guide#c5", "canonicalUrl": "https://bestinsuranceresearch.com/sources/cdi-earthquake-insurance-guide#c5", "checksum": "a9648b942518", "text": "California law says that both homeowners and renters insurance must cover fire damage that is caused by or follows an earthquake." }, { "claimId": "cdi-earthquake-insurance-guide#c6", "canonicalUrl": "https://bestinsuranceresearch.com/sources/cdi-earthquake-insurance-guide#c6", "checksum": "62e62a43141d", "text": "You cannot buy earthquake insurance directly from CEA; you buy it from insurance companies that are members of CEA, you must have a residential property insurance policy in place in order to get a CEA earthquake policy, and you must purchase the CEA policy from the same insurance company that carries your residential policy." }, { "claimId": "cdi-earthquake-insurance-guide#c7", "canonicalUrl": "https://bestinsuranceresearch.com/sources/cdi-earthquake-insurance-guide#c7", "checksum": "d6d3a1f4f3a4", "text": "CEA offers deductibles of 5 percent, 10 percent, 15 percent, 20 percent, and 25 percent, with two exceptions: if a home is valued at over $1 million dollars, and/or if the home was built before 1980 on a raised or other non-slab type foundation and is not verified to have been seismically retrofitted. In both these cases the lowest available deductible will be 15 percent." }, { "claimId": "cdi-earthquake-insurance-guide#c8", "canonicalUrl": "https://bestinsuranceresearch.com/sources/cdi-earthquake-insurance-guide#c8", "checksum": "c3cba50a110f", "text": "For CEA Coverage A dwelling coverage, the limit on your earthquake insurance is the same as the limit on your homeowners insurance dwelling coverage." }, { "claimId": "cdi-earthquake-insurance-guide#c9", "canonicalUrl": "https://bestinsuranceresearch.com/sources/cdi-earthquake-insurance-guide#c9", "checksum": "74ab023d4487", "text": "For CEA Coverage C personal property, the limit starts at $5,000 and you can increase the limit to $25,000." }, { "claimId": "cdi-earthquake-insurance-guide#c10", "canonicalUrl": "https://bestinsuranceresearch.com/sources/cdi-earthquake-insurance-guide#c10", "checksum": "933e54b85ba6", "text": "For CEA Coverage D additional living expenses, the limits range from $1,500 to $100,000, and this coverage never has a deductible under CEA." }, { "claimId": "cdi-earthquake-insurance-guide#c11", "canonicalUrl": "https://bestinsuranceresearch.com/sources/cdi-earthquake-insurance-guide#c11", "checksum": "35e3cbb95ab1", "text": "CEA condo unit policies provide up to $100,000 for the unit owner's share of certain assessments if the association imposes an assessment for covered damage caused by an earthquake." }, { "claimId": "cdi-earthquake-insurance-guide#c12", "canonicalUrl": "https://bestinsuranceresearch.com/sources/cdi-earthquake-insurance-guide#c12", "checksum": "b044ed7a8f26", "text": "You may be able to buy building code upgrade coverage, now up to $30,000, and CEA homeowners policies include the first $1,500 for emergency repairs with no deductible." }, { "claimId": "cdi-earthquake-insurance-guide#c13", "canonicalUrl": "https://bestinsuranceresearch.com/sources/cdi-earthquake-insurance-guide#c13", "checksum": "9b163ce8ba38", "text": "As with most earthquake policies, CEA insurance does not cover landscaping, pools, fences, masonry, or separate buildings." }, { "claimId": "cdi-earthquake-insurance-guide#c14", "canonicalUrl": "https://bestinsuranceresearch.com/sources/cdi-earthquake-insurance-guide#c14", "checksum": "13ffff30f09a", "text": "A few companies offer stand-alone policies that are not CEA policies and that can be bought without buying homeowners insurance from the same company." } ], "reliedOnBy": [ { "kind": "Coverage", "title": "Homeowners insurance", "url": "https://bestinsuranceresearch.com/insurance/homeowners" }, { "kind": "Coverage", "title": "Landlord / rental dwelling insurance", "url": "https://bestinsuranceresearch.com/insurance/landlord-rental-dwelling" }, { "kind": "Coverage", "title": "Residential earthquake insurance (California)", "url": "https://bestinsuranceresearch.com/insurance/residential-earthquake-california" }, { "kind": "Module", "title": "Residential Property Position (1 check)", "url": "https://bestinsuranceresearch.com/tools/property-position" }, { "kind": "Module", "title": "California Earthquake Coverage (9 checks)", "url": "https://bestinsuranceresearch.com/tools/earthquake-pathways" } ], "reliedOnByCount": 5, "citation": { "text": "California Department of Insurance. \"Earthquake Insurance (information guide, text version).\" unknown. https://www.insurance.ca.gov/01-consumers/105-type/95-guides/03-res/eq-ins.cfm (retrieved 2026-08-31).", "viaThisSite": "BestInsurance Research source record cdi-earthquake-insurance-guide, content version 2026.08.31. https://bestinsuranceresearch.com/sources/cdi-earthquake-insurance-guide", "note": "Cite the underlying source when you can. Cite this record when you are describing our synthesis or our claim list." } }