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CEA Condominium Earthquake Insurance Policies 

Is your customer’s condo unit ready for the next earthquake?

CEA condominium earthquake insurance policies provide your customers with the strength they need to recover from a damaging earthquake.

Talk to your customer about the CEA earthquake-coverage options that fit their needs and budget. And use our premium calculator to help get them a quick earthquake insurance price estimate.

Did you know?

Earthquake damage and loss isn’t covered by condo-unit or HOA insurance.

A CEA earthquake insurance policy can help pay for damages to the inside of your customer's unit and belongings.

CEA condo unit coverage options*

Building Property**

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Helpful when the inside of your customer's condo unit is damaged, such as interior walls or fixtures.

Personal Property**

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Coverage to repair or replace your customer's covered personal belongings if they are damaged in an earthquake.

Loss of Use

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A necessity for additional living expenses if your customer must live outside their unit because of earthquake damage or as directed by a civil authority. This coverage never has a deductible.

Loss Assessment

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Up to their chosen coverage limit, Loss Assessment coverage helps pay your customer's share of certain assessments levied by their HOA on its members for earthquake-damage repairs or to pay a master-policy deductible. This coverage can help with charges for repairs to the exterior of your customer's condo development or certain common areas, as well as building code upgrades. Useful when certain charges get passed on to your customer by their HOA after an earthquake.

Building Code Upgrades

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Helps cover the costs to get your customer's condo unit up to current building code standards.

Emergency Repairs

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Handy coverage when your customer needs to make urgent, necessary repairs after an earthquake to help protect their unit from further damage, such as plywood to board up damaged windows.


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Not available for new policies written on or after August 1, 2023 and renewals on or after November 1, 2023.

Get more details about our condo policy coverages and deductibles.

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*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.

Learn more by taking a free agent training course. Once you pass, you’ll earn 2 CE credits.

** Reflects policy option changes that went into effect for new policies written on or after August 1, 2023 and for renewals on or after November 1, 2023. These changes include Dwelling Deductible Options (Coverage A), Personal Property Limits (Coverage C), Breakables, and Exterior Masonry Veneer. Learn more about our 2023 Policy Option Changes.

Condo-Unit Owners Insurance FAQs

We've gathered some frequently asked questions from condo-unit owners and agents to help you understand how a CEA policy can help your customer recover from the next damaging earthquake.

Q: Do CEA condo unit policies offer loss assessment coverage?

A. Yes. Loss Assessment coverage can be added to the insured's CEA condo policy and has options up to $100,000 for an individual unit owner to help cover the cost of special assessments their Home Owners Association (HOA) may assess for the cost of repairing the unit structures, or may be used towards the HOA’s master policy deductible. For all terms and conditions please read the CEA condominium policy.

Q: How can I help my condo-unit owner client choose the best CEA earthquake policy for their needs and budget?

A. Use CEA’s premium calculator for agents to help your condo client find a policy that works best for them. You can play around with coverage limits and deductible options, and add the coverage choices they’re interested in, to make sure they have the policy that fits their needs.

Q: How does the deductible work for CEA’s condominium policies?

A. The insured does not have to pay their deductible out of pocket to receive payment on a claim. The deductible is subtracted from their covered damage, so they don’t have to pay any of the deductible up front before receiving their claim payment. And remember that Loss of Use never has a deductible.

Q: Is my client's condo unit at risk from an earthquake?

A. There are thousands of known faults in California, and scientists continue to discover new ones. Since earthquakes can happen anywhere in California, damage to your client’s condo unit and personal property is always possible. Check to see earthquake risk near you and your client and help them take steps to get prepared, which includes purchasing the best earthquake policy to meet their needs and budget.

Q: Can my customers buy a new CEA earthquake insurance policy after an earthquake?

A. Yes. CEA has never imposed a moratorium on selling new earthquake insurance policies following any earthquake, even in the areas directly affected by the earthquake.*

If your customers choose to purchase a new CEA earthquake insurance policy shortly after the occurrence of an earthquake in their area, and if there are aftershocks or other quakes that are related to that same earthquake, then you should help make them aware that their new CEA policy will not cover losses from these aftershocks or other related ground-shaking that occurs within 15 days (360 hours) after that earthquake, though would cover damage from completely unrelated earthquakes that may occur immediately after they purchase their policy. That original earthquake, together with all related shaking that occurs within 15 days, are collectively referred to as the "seismic event" in the CEA policy. In other words, the "seismic event" commences upon the initial earthquake, and all earthquakes or aftershocks that occur within the 360 hours (15 days) immediately following the initial earthquake are considered for purposes of this policy to be part of the same "seismic event."

For a loss to be covered under a CEA policy, both the original earthquake that caused the loss (to your customer’s property or belongings) and the 15-day "seismic event" that the earthquake is part of must commence during the policy period.

If, however, another earthquake occurs after the new policy goes into effect, and that earthquake is not seismically related to the earlier earthquake (not part of the earlier “seismic event”), then your customer’s losses from this new earthquake would be covered, even if they occurred immediately after the effective date of the policy, because those losses would arise from a different seismic event.

If you have customers who are current policyholders and they have experienced damage from a covered seismic event, and another quake occurs as part of the same event (for example, with the 2019 Ridgecrest earthquake, when a 6.4 magnitude earthquake struck and the next day a 7.1 magnitude struck, as part of the same seismic event), our 360-hour definition allows current policyholders to combine all the damage to meet their deductible. In other words, they do not need to meet their deductible each time; they only need to meet it once.

*It is possible, however, that one or more CEA participating insurers, as well as other insurance companies, may declare a moratorium on new sales of their own insurance policies (e.g., homeowners, condominium owners, or renters insurance that covers the risk of fire) in the affected area after an earthquake or other disaster. We recommend you be aware if your company has issued a moratorium on the policy types they offer following recent earthquakes or other disasters.