The California Earthquake Authority (CEA) was created in 1996, two years after the devastating Northridge Earthquake caused huge losses for homeowners insurers in the state. Fearing insolvency from another massive earthquake, the vast majority of insurers in the state’s homeowners insurance market severely restricted or ceased writing coverage altogether. To ensure the availability of homeowners coverage and end a serious threat to the vitality of the state's housing market, the California Legislature established the CEA as a publicly managed, largely privately funded entity.

Below is the CEA's Earthquake Insurance Application available here as a convenience for you to download. NOTE: NO COVERAGE EXISTS UNTIL A POLICY NUMBER IS ASSIGNED TO YOU BY THE CEA.

CEA earthquake insurance policies are sold only through CEA participating insurance companies. You can buy CEA coverage only through the insurance company that provides your residential property insurance and only if that company is a CEA participating insurance company.

Participating insurance companies process all CEA policy applications, policy renewals, invoices, and payments and handle all CEA claims.CEA earthquake insurance policies are sold only by agents who are employed or appointed by one of the CEA participating insurance companies.

California Earthquake Authority Application

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