California Earthquake Insurance for Homeowners

What happens after the shaking stops? You can't predict the next earthquake, but you can prepare for it.

If your home and personal property were severely damaged by an earthquake, would your homeowners insurance cover it? Many policyholders don't realize that most property insurance policies do not cover loss due to an earthquake.

Protect your home and personal property by obtaining earthquake insurance.

California Earthquake Authority (CEA)
You can purchase earthquake insurance through AAA from the California Earthquake Authority (CEA). AAA offers policies tailored for differing needs, with a variety of options available. The CEA, a publicly managed, privately funded organization created by the state legislature, has provided earthquake insurance since 1996. Today, the CEA is the largest residential earthquake insurance organization in the world.

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Coverage Available for California Homeowners
Hundreds of thousands of Californians depend on CEA earthquake insurance to protect their most valuable asset.

You can insure your home against substantial damage caused by an earthquake. Earthquake insurance from CEA is designed to provide:

Dwelling Coverage that also features Building Code Upgrade Coverage

  • Rebuild your home after an earthquake
  • Help bring your home up to current building code
  • Your dwelling coverage deductible can be 10% or 15%—it's your choice

Personal Property Coverage plus Additional Living Expenses

  • Replace your damaged personal property—loss limits are available up to $100,000
  • Provide additional living expenses during a traumatic time—limits are available up to $25,000 with no deductible*

For more information, or to purchase a policy, please contact a sales representative at your local  AAA office.

The CEA Earthquake policy has limitations, exclusions and conditions which are more restrictive than your homeowners policy from CSAA. CEA Earthquake insurance comes with substantial deductibles. Please make sure you have a complete understanding of the deductibles and CEA policy limits and exclusions.

*Additional living expense coverage may provide funds if your dwelling is officially determined to be unsafe after an earthquake.

This summary description is not intended to be a complete description of CEA insurance.