Understanding California Earthquake Insurance Can Help You Avoid Denial of Insurance Claims


As most Orange County, California homeowners already know, California earthquake insurance is sold separately from regular homeowners’ or renters’ insurance policies.  That’s because, in California, earthquake insurance is overseen by the California Earthquake Authority (CEA) – a privately funded government agency that is actually the largest provider of earthquake insurance in the world.

The California legislature created the CEA after the devastating Northridge earthquake. While the policies are separate from regular insurance policies, they are sold though participating home insurers. If you hold one of these policies, it’s important to understand how it works so that you can be sure you get the coverage you deserve if your home is damaged by an earthquake.

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DISCLAIMER: Because of the generality of this update, the information provided herein may not be applicable in all situations and should not be acted upon without specific legal advice based on particular situations.

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