What Does Cea Policy Cover

CEA earthquake policies cover houses, mobilehomes, condo-units, and rental homes. Buy separate earthquake insurance coverage in California through your home insurance provider. Our residential earthquake insurance policies offer coverage for: Repairs to your home/mobilehome/condo-units.

What is a CEA claim?

If an earthquake has damaged your house, take these steps to file a California Earthquake Authority (CEA) claim with your residential insurer: … And Loss of Use—coverage that pays additional living expenses if you have to live elsewhere because of earthquake damage—never has a deductible.

Is earthquake insurance really needed?

Earthquake insurance isn’t mandatory, but depending on where you live, your home might be at risk of suffering irreparable damage. California law requires homeowners insurance companies to offer add-on earthquake coverage, but there’s no law forcing anyone to actually purchase a policy.