This calculator will give you a basic, instant estimate to compare the cost to add earthquake insurance coverage for a home like yours from either the California Earthquake Authority (CEA) or an admitted private carrier.
- Multiple admitted carriers in California are offering earthquake coverage for single family homes all across the state, even in cities near fault lines.
- We don’t collect your email or other contact information to see an estimate.
- This estimate is not a quote for insurance and you can use this information to have a better conversation with a licensed agent who can provide a personal quote.
- Keep in mind: Our analysis of a UC Berkeley study found that damage to a typical tract home in a major quake could be over $40,000 for cosmetic damage, $300,000 for extensive finish replacement and some structural damage, and over $700,000 for full replacement versus limited FEMA assistance for repairs that maxes out at $44,800.
- Worried about a big deductible? You don’t have to cough up cash to cover a deductible before you’re reimbursed. The insurance will deduct that amount from its payment to you. And if you have a shortfall you might be able to cover it with a FEMA grant (up to $44,800) or loan if your area is declared a Federal disaster area.
- You can get a more detailed CEA or alternative estimate using the resources listed below.
| CEA | Alternatives | |
| Lowest deductible | 5% if eligible; minimum 15% above $1 million or for pre-1980 frame homes on non-slab foundations without a verified retrofit | 2.5% |
| A.M. Best financial rating | B++ | Some A- or higher |
| Pool / spa coverage option | No | Yes |
| Breakables coverage option | Up to $500 total with personal-property coverage | Yes |
| Masonry veneer coverage option | No (home covered, veneer damage not covered) | Yes |
| Retrofit discounts | Yes | Yes |