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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 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:

  • 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 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  

Within policy terms, covers glassware, crystal, china, 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.

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.