Secret Earthquake Insurance Policy California Homeowners Must Know
Cost Factors and Discounts
Several factors influence the cost of earthquake insurance premiums, including the age and construction type of your home, its location, and the deductible you choose. Homes built to modern seismic standards or retrofitted for earthquake resilience may qualify for discounts. The CEA offers a variety of deductible options, ranging from 5% to 25% of the insured value, allowing homeowners to tailor policies to their financial comfort levels3.