Earthquake Insurance in California: Options and Sellers

Everquote | May 10, 2018

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Earthquake insurance is available from companies offering personal earthquake policies and also from companies participating in the California Earthquake Authority (CEA). The CEA is a not-for-profit entity that was created in order to make earthquake insurance more readily available after the 1994 quake in Northridge, California. The CEA defines the terms of its earthquake policies and pays the claims. "Participating" insurers offer CEA policies to customers and service them. Companies such as Allstate, State Farm, and USAA offer CEA policies. Insurers that sell CEA policies are not allowed to also offer their own competing earthquake policies.

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