Companion homeowners policy
Personal insurance · Southern California
Earthquake Insurance
Separate California earthquake protection, percentage deductibles, CEA options, and retrofit discounts.
Earthquake shaking is a separate coverage question from a typical homeowners claim. The California Earthquake Authority (CEA) and other earthquake options have their own terms. A percentage deductible can mean tens of thousands of dollars, so compare the dollar amount, belongings protection, and temporary-living benefits—not just the annual price.
What this coverage can protect
- Earthquake damage to the dwelling
- Selected personal property
- Loss-of-use expenses
- Building code upgrades and breakables when included
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Information that helps produce an accurate option
No Social Security number, payment information, or sensitive documents are requested through the website.
Foundation, construction, age, stories, and retrofit status
Requested deductible and optional coverages
Prior earthquake coverage
Common questions
What clients commonly ask
Can a retrofit reduce premium?
Qualifying verified retrofits may receive discounts. Current CEA and carrier requirements must be confirmed before relying on a credit.
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