Wildfire & Catastrophe guide
CEA Earthquake Coverage and Retrofit Discounts
Understand separate earthquake coverage, percentage deductibles, CEA options, and retrofit resources that may reduce risk and premium.
What to know first
- Standard homeowners policies generally exclude earthquake shaking damage.
- CEA policies offer selectable coverages and percentage deductibles.
- Qualifying retrofits may reduce damage and may qualify for premium discounts.
California limits and common starting points
Dwelling generally follows the companion residential policy. CEA deductible options commonly range from 5% to 25%, depending on coverage and eligibility. Compare personal property and loss-of-use selections separately.
These are educational benchmarks, not a recommendation for every applicant.Earthquake coverage is separate from standard homeowners insurance. CEA coverage is sold through participating residential insurers and should be reviewed for dwelling, personal property, loss of use, building-code upgrade, and deductible structure.
A percentage deductible can represent a substantial dollar amount because it is based on the insured dwelling limit. Compare the actual dollar deductible, premium, retrofit status, and ability to finance repairs after a major earthquake.
Qualifying foundation bolting and cripple-wall bracing may reduce structural damage. Current grants, eligibility, and discount rules change, so homeowners should verify requirements before permits or work begin.