CEA is not-for-profit. Our insurance rates are based on the best available science and research, not profit.
Use the CEA premium calculator to help your customer get an 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, such as TVs and furniture. |
| Coverage Limits | Up to $25,000 | Available in limits of $5,000 or $25,000. |
| Deductible | 5%-25% |
Claim-payment example:
|
| 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 rented house, apartment, or room. |
| 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 (example: if there is a hole in your customer’s roof and they have to buy a tarp to cover their personal belongings to protect them from a rainstorm). |
| Coverage Limits | $1,000 or 5% of Personal Property coverage |
If your customer's rented house, apartment, or room is damaged by an earthquake, Emergency Repairs will cover up to $1,000 to protect their personal belongings from further damage. |
| Deductible | Emergency Repairs are paid, up to the limit, after your customer's Personal Property deductible is met |
There is no deductible for Emergency Repairs. Emergency repairs begin after the Personal Property deductible has been met. |
| Breakables |
Not available for new policies written on or after August 1, 2023 and renewals on or after November 1, 2023. |
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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