Earthquake insurance in California
Why your homeowners policy excludes quakes, and how to cover the risk that defines California.
Why quakes are excluded
Earthquake is a catastrophic, correlated risk, so it is carved out of standard home and renters policies. You add it back with a dedicated earthquake policy or endorsement. Most California earthquake coverage is written through the California Earthquake Authority, offered alongside your home policy, though private markets also exist.
How the deductible works
Earthquake policies use a percentage deductible (for example, a percentage of your dwelling limit) rather than a flat dollar amount. That means the out-of-pocket cost before coverage pays can be substantial, which is central to deciding how much coverage makes sense for you.
Is it worth it?
It depends on your risk and finances: your home's age and construction (older, unretrofitted homes are more vulnerable), your proximity to active faults, and how much equity you would lose if the home were badly damaged. We can help you weigh a CEA or private earthquake option alongside your home policy.
Frequently asked questions
Does homeowners insurance cover earthquakes in California?
No. Standard homeowners and renters policies exclude earthquake damage. You must add a separate earthquake policy or endorsement, often through the California Earthquake Authority.
What is the California Earthquake Authority?
The CEA is a publicly managed, privately funded provider of residential earthquake insurance, sold through participating insurers alongside your home policy. Private earthquake markets also exist.
Why are earthquake deductibles so high?
Earthquake policies use a percentage deductible based on your coverage limit rather than a flat amount, reflecting the catastrophic nature of the risk. This is a key factor in deciding whether to buy.
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