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  "id": "cea-homeowners-coverages-deductibles",
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  "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": "Homeowners Coverages and Deductibles (CEA homeowners policy)",
  "publisher": "California Earthquake Authority",
  "url": "https://www.earthquakeauthority.com/california-earthquake-insurance-policies/homeowners/coverages-and-deductibles",
  "officialHost": true,
  "sourceType": "official-documentation",
  "authorityLevel": "carrier-official",
  "primary": true,
  "jurisdiction": "CA",
  "publishedDate": "unknown",
  "effectiveDate": "unknown",
  "accessedDate": "2026-08-31",
  "lastChecked": "2026-08-31",
  "updateCadence": "changes with CEA rate and form filings; verify limit and deductible options each review cycle",
  "status": "active",
  "supportsClaims": [
    {
      "claimId": "cea-homeowners-coverages-deductibles#c1",
      "canonicalUrl": "https://bestinsuranceresearch.com/sources/cea-homeowners-coverages-deductibles#c1",
      "checksum": "793ad0ef4308",
      "text": "CEA offers a Standard Homeowners policy under which all coverages fall under one deductible, and a Homeowners Choice policy that provides separate deductibles for dwelling and for personal property and allows the purchase of dwelling coverage only."
    },
    {
      "claimId": "cea-homeowners-coverages-deductibles#c2",
      "canonicalUrl": "https://bestinsuranceresearch.com/sources/cea-homeowners-coverages-deductibles#c2",
      "checksum": "e8954426c30d",
      "text": "The deductible options are 5, 10, 15, 20, or 25 percent of the Coverage A and B limit."
    },
    {
      "claimId": "cea-homeowners-coverages-deductibles#c3",
      "canonicalUrl": "https://bestinsuranceresearch.com/sources/cea-homeowners-coverages-deductibles#c3",
      "checksum": "50c52867f699",
      "text": "The 5 percent and 10 percent deductible options are not available for homes with a Coverage A dwelling limit greater than $1,000,000, or for dwellings with frame construction built before 1980 that are not on a slab foundation and do not have a verified retrofit."
    },
    {
      "claimId": "cea-homeowners-coverages-deductibles#c4",
      "canonicalUrl": "https://bestinsuranceresearch.com/sources/cea-homeowners-coverages-deductibles#c4",
      "checksum": "6799be0b3edc",
      "text": "CEA Coverage A and B must be the same as the residential homeowners policy's Coverage A dwelling limit."
    },
    {
      "claimId": "cea-homeowners-coverages-deductibles#c5",
      "canonicalUrl": "https://bestinsuranceresearch.com/sources/cea-homeowners-coverages-deductibles#c5",
      "checksum": "c01295d095ec",
      "text": "Coverage C personal property available limits are $5,000 or $25,000, with $500 included for damage to some breakable personal property."
    },
    {
      "claimId": "cea-homeowners-coverages-deductibles#c6",
      "canonicalUrl": "https://bestinsuranceresearch.com/sources/cea-homeowners-coverages-deductibles#c6",
      "checksum": "a5f6e778c80c",
      "text": "Coverage D loss of use available limits are $1,500, $10,000, $15,000, $25,000, $50,000, $75,000, and $100,000, and loss of use carries no deductible under either policy type."
    },
    {
      "claimId": "cea-homeowners-coverages-deductibles#c7",
      "canonicalUrl": "https://bestinsuranceresearch.com/sources/cea-homeowners-coverages-deductibles#c7",
      "checksum": "d386d126e255",
      "text": "Building code upgrade coverage is $10,000 with purchasable options of $20,000 or $30,000, and is paid once the covered dwelling damage exceeds the Coverage A and B deductible."
    },
    {
      "claimId": "cea-homeowners-coverages-deductibles#c8",
      "canonicalUrl": "https://bestinsuranceresearch.com/sources/cea-homeowners-coverages-deductibles#c8",
      "checksum": "675312b264ef",
      "text": "There is no deductible on the first $1,500 of emergency repairs coverage, and amounts exceeding $1,500 require meeting the Coverage A and B or Coverage C deductible."
    },
    {
      "claimId": "cea-homeowners-coverages-deductibles#c9",
      "canonicalUrl": "https://bestinsuranceresearch.com/sources/cea-homeowners-coverages-deductibles#c9",
      "checksum": "8424d15aa37f",
      "text": "CEA states that exclusions and special limits apply and that all terms and conditions of CEA insurance coverage are found in the CEA insurance-policy form."
    },
    {
      "claimId": "cea-homeowners-coverages-deductibles#c10",
      "canonicalUrl": "https://bestinsuranceresearch.com/sources/cea-homeowners-coverages-deductibles#c10",
      "checksum": "b37bc63e1501",
      "text": "CEA lists the deductible choices for its homeowners policy as 5, 10, 15, 20, or 25 percent, expressed as a percentage of the Coverage A and B limit."
    },
    {
      "claimId": "cea-homeowners-coverages-deductibles#c11",
      "canonicalUrl": "https://bestinsuranceresearch.com/sources/cea-homeowners-coverages-deductibles#c11",
      "checksum": "26f0f30f778d",
      "text": "The page states: 'The 5% and 10% deductible options are not available for homes with Coverage A dwelling limit greater than $1,000,000, or dwellings with frame construction built before 1980 that are not on a slab foundation and do not have a verified retrofit.'"
    }
  ],
  "reliedOnBy": [
    {
      "kind": "Question",
      "title": "Does homeowners insurance cover earthquake damage in California?",
      "url": "https://bestinsuranceresearch.com/questions/homeowners-earthquake-california"
    },
    {
      "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": "Example",
      "title": "Reading the CEA's own deductible page and policy form to see why an earthquake retention is set by a limit on a different policy",
      "url": "https://bestinsuranceresearch.com/examples/cea-percentage-deductible-moves-with-another-policy"
    },
    {
      "kind": "Module",
      "title": "Residential Property Position (3 checks)",
      "url": "https://bestinsuranceresearch.com/tools/property-position"
    },
    {
      "kind": "Module",
      "title": "California Earthquake Coverage (6 checks)",
      "url": "https://bestinsuranceresearch.com/tools/earthquake-pathways"
    }
  ],
  "reliedOnByCount": 7,
  "citation": {
    "text": "California Earthquake Authority. \"Homeowners Coverages and Deductibles (CEA homeowners policy).\" unknown. https://www.earthquakeauthority.com/california-earthquake-insurance-policies/homeowners/coverages-and-deductibles (retrieved 2026-08-31).",
    "viaThisSite": "BestInsurance Research source record cea-homeowners-coverages-deductibles, content version 2026.08.31. https://bestinsuranceresearch.com/sources/cea-homeowners-coverages-deductibles",
    "note": "Cite the underlying source when you can. Cite this record when you are describing our synthesis or our claim list."
  }
}