Earthquake Insurance

Damage or loss to your residence as a result of an earthquake is not covered under your Homeowners policy. So you may wish to purchase earthquake insurance to protect your home and belongings from loss resulting from an earthquake.

What is the California Earthquake Authority (CEA)?
Where can I purchase a CEA policy?
CEA Rates
Important Facts Next Steps

What is the California Earthquake Authority (CEA)?
In 1996, the California Legislature created the California Earthquake Authority (CEA) – a privately funded, publicly managed insurer to offer basic earthquake coverage for Homeowners, Renters, Mobilehome and Condo/ Townhouse owners.

In addition to providing rebuilding benefits for major structural damage to your insured residence, a CEA policy provides specified living expenses and limited replacement dollars for personal property belongings in the event of a major earthquake.

Where can I purchase a CEA policy?
CEA policies are offered and serviced by participating private insurance companies and their agents. Farmers is a participating company and Horn & Co. Insurance Services can help you purchase a CEA policy. Companies not participating in the CEA are still required to offer earthquake coverage with each Homeowners policy sold.

CEA Rates
Rates will vary according to the age, location and construction of your residential property. Horn & Co. Insurance Services can provide you with the exact cost for your coverage.

Important Facts
You must have your Homeowners, Renters, Mobilehome, or Condo/ Townhouse Insurance with a CEA participating company to purchase earthquake insurance through the CEA.

The earthquake coverage amount for your residence structure must be the same as you have on your Homeowners or Mobilehome policy.

The CEA policy pays for repair or replacement of the dwelling, but not for damage to pools, spas, patios, fences and detached garages. The CEA policy provides up to $1,500 in living expenses while your uninhabitable homes is under repair.

For all earthquake policies, replacement of personal property belongings damaged in an earthquake is limited to $5,000 and applicable deductible must be met.

Next Steps
Horn & Co. Insurance Services can prepare a California Earthquake Authority Policy Offer for you to review. Once you are offered CEA coverage, you have 30 days to accept it.

Please note that you will not be able to reapply for CEA earthquake coverage for up to two years if you have declined the CEA earthquake offer.

This is a general description of coverage and is not a policy contract. The policy itself should be read for your coverages and exclusions. Insurance coverage underwritten by the California Earthquake Authority (CEA).

Earthquake Insurance