Earthquake Insurance California Homeowners Are Missing

📋 Coverage Details

✅ Why It Matters

California sits on some of the most active fault lines in the country, yet an estimated 87% of California homeowners carry no earthquake coverage at all. Standard homeowners insurance explicitly excludes earthquake damage — without a separate policy, a major quake could mean paying for structural repairs, foundation damage, and temporary housing entirely out of pocket.

🏚️ What Standard Insurance Misses

Your regular homeowners policy covers fire, theft, and many other perils — but earthquake damage is specifically excluded almost everywhere in California. Only a dedicated earthquake policy fills this gap.

🏛️ CEA vs. Private Carriers

The California Earthquake Authority (CEA) is the most common source of coverage, but several private carriers also offer earthquake policies — sometimes with different deductible structures or coverage limits worth comparing.

💰 Deductibles Are Different Here

Earthquake policies commonly carry higher percentage-based deductibles (often 10-25% of your dwelling coverage) rather than a flat dollar amount — understanding this upfront helps you choose the right policy.

🔧 Retrofitting Can Lower Your Cost

Homes with seismic retrofitting (foundation bolting, cripple wall bracing) can sometimes qualify for lower premiums. We can help you understand what discounts may apply to your specific home.