Are you customers ready for the next earthquake?
CEA renters earthquake insurance policies provides the strength your customers 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?
A renters policy doesn’t cover earthquake damage.
Even if your customer’s landlord has earthquake insurance, their policy won’t cover your customer. A CEA policy can help pay for damages to your customer’s belongings and help with additional living expenses if they need to move out.
CEA renters coverage options*
Personal Property**
Coverage to repair or replace your customer's covered personal belongings if they are damaged in an earthquake.
Loss of Use
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.
Emergency Repairs
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.
Breakables
This coverage helps replace insureds’ valuable fragile personal property like wedding china, glassware, crystal, ceramic, pottery, porcelain, or marble items that are broken because of an earthquake. Available for new and renewal policies written on or after January 1, 2025.
- Get more details about our renters policy coverages and deductibles.
Ready to sell a CEA policy?
*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.
Renters Insurance FAQs
We’ve gathered some frequently asked questions from renters and agents to help you understand how a CEA policy can help your customer recover from the next damaging earthquake.
A. Yes! A CEA renters policy includes personal property coverage, along with loss of use coverage and emergency repairs coverage. Emergency Repairs will cover up to $1,000 to make the insured’s home safe, such as repairing broken windows or removing broken glass. And Loss of Use pays for the additional living expenses necessary to maintain the insured’s normal standard of living, up to the coverage limit they selected. And it never has a deductible!
A. Use CEA’s premium calculator for agents to help your client who rents find a policy that works best for them. You can play around with coverage limits and deductible options to make sure they have the personal property and loss of use coverage that fits their needs.
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.
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 rental home and personal property, and that damage forcing them to move out, 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.
- Get more details about our renters policy coverages and deductibles.
Ready to sell a CEA policy?
*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.
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