Earthquake Insurance in California: The Basics for Homeowners
Figures and rules in this post are as of November 6, 2026, from the sources linked below. Check the source for any later update.
A standard homeowners insurance policy in California does not cover damage from an earthquake. California law requires insurers that sell homeowners policies to offer earthquake coverage, but buying it is optional.
Where coverage comes from
- The California Earthquake Authority (CEA), a publicly managed, privately funded provider, sells policies through participating insurance companies.
- Some private insurers offer their own earthquake policies.
Terms to understand
- Deductible: Earthquake deductibles are usually a percentage of the dwelling coverage amount, not a flat dollar amount.
- Coverage parts: Policies typically separate the dwelling, personal property, and additional living expenses.
- Retrofit discounts: CEA offers premium discounts for some homes that have been seismically retrofitted.
Seismic hazard maps
The California Geological Survey’s EQ Zapp tool shows whether an address is in an earthquake fault zone or a seismic hazard zone (liquefaction or landslide). These zones are also reported on the Natural Hazard Disclosure statement.
Sources
- California Earthquake Authority
- California Geological Survey: EQ Zapp
- California Department of Insurance
Questions about a home in Los Angeles or the Valley?
Lianna Danielyan, REALTOR® · Equity Union · CA DRE #02142653 · 13400 Ventura Blvd, Sherman Oaks, CA 91423 · (818) 669-6245
Listing information is provided through Equity Union’s IDX/BoldTrail service, is deemed reliable but not guaranteed, and should be independently verified. Information on this page is general and is not legal, tax or financial advice. Equal Housing Opportunity.