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.

NOTE: This does not reflect 1/1/25 CEA premium increases

ZIP Code (only California ZIPs available): Dwelling coverage amount ($): Number of Stories: 1 2 or split level 3 or more ^{Basements count as a story.} Construction Type: Frame All Other Construction Year Built: Foundation Type: Slab Raised or Basement Post and Pier ^{For unusual foundations like pilings and stilts, contact a licensed agent.} Verified Retrofit: No Yes ^{This is a substantial discount for homes built before 1980 or 1974 that meet foundation bolt and/or cripple wall brace standards. Select "Yes" to see lower rates if you have an older home. Many slab homes are already bolted to the foundation and might only need verification to receive the discount.} Roof Type: Tile / Slate Composition Woodshake Other Calculate Estimate

Deductible	CEA (monthly)	CEA Alternative (monthly)
2.5%
5%
10%
15%
20%
25%

• Keep in mind: These premium estimates only illustrate the cost of coverage for rebuilding your actual house (dwelling coverage). They don’t include:
  • Finding a place to live while your home is repaired (loss of use coverage)
  • Replacing damaged furniture and belongings (personal belongings coverage)
• You can add these coverages to a policy for an additional cost, but the cost to rebuild your home is usually the biggest chunk of earthquake insurance premiums. So, these estimates give you a pretty good starting point to consider.
• 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 interior structural damage / cracks, and over $700,000 for severe structural damage versus a max of $43,500 from FEMA for repairs.
• 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 (max $43,500) 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% (15% for policies over $1 million)	2.5%
A.M. Best financial rating	B++	Some A- or higher
Pool / spa coverage option	No	Yes
Breakables coverage option	No	Yes
Masonry veneer coverage option	No (home covered, veneer damage not covered)	Yes
Retrofit discounts	Yes	Yes