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CEA Renters Policy Coverages & Deductibles

You might be surprised to discover how flexible and budget-friendly earthquake insurance can be. CEA offers a variety of coverage choices and deductible options for your customers.  

CEA’s rates are based on science, not profit. We use the best available science and research to set competitive earthquake insurance rates.  

Use the CEA premium calculator to help your customer get a free insurance cost estimate. 

Coverage options for renters 

Our earthquake insurance for renters lets you help your customer set the coverage limits that are best for them.  

Coverages Renters Policy Additional Information
Personal Property Included Covers damage to your customer's belongings, like TVs and furniture.
Coverage Limits Up to $200,000 Available in limits of $5,000, $25,000, $50,000, $75,000, $100,000, $150,000 or $200,000.
Deductible 5%-25%

Claim-payment example:

  • If your customer has $25,000 in Personal Property coverage, and
  • They have purchased a 5% ($1,250) deductible, and
  • An earthquake causes $20,000 in damage to their covered belongings, then
  • They will receive a payment for $18,750 (the covered damage, less the deductible, up to the limit purchased).
Loss of Use Included

Covers additional living expenses if your customer needs to live and eat elsewhere because earthquake damage or a civil authority prevents them from residing in their rental.

Coverage Limits Up to $100,000 Available in $1,500, $10,000, $15,000, $25,000, $50,000, $75,000 and $100,000 limits.
Deductible None There is never a deductible for Loss of Use.
Emergency Repairs Included

Covers earthquake-damage repairs that are needed to protect your customer's personal property from further damage (examples: repair broken windows or remove broken glass).

Coverage Limits $1,000 or 5% of Personal Property coverage

If your customer's rental is damaged by an earthquake, Emergency Repairs will cover up to $1,000 to make their home safe.

Deductible Emergency Repairs are paid, up to the limit, after your Personal Property deductible is met

There is no deductible for Emergency Repairs. Emergency repairs begin after the Personal Property deductible has been met.

Breakables Optional

Within policy terms, covers glassware, crystal, china, ceramic, pottery, porcelain, or marble items that are broken because of an earthquake.

*We encourage you to read the entire CEA policy—and its policy declarations page—to understand coverages and how they work. Exclusions and special limits apply. All terms and conditions of CEA insurance coverage are found in the CEA insurance-policy form. Refer to a sample policy, below. 

Renters Policy Sample (PDF)
Optional Endorsement - Coverage For Breakables (PDF)

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