Earthquake Insurance in California: The Basics for Homeowners
Standard homeowners policies in California don't cover earthquake damage. Earthquake coverage is sold separately, including through the California Earthquake Authority.
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California FAIR Plan Rates Rose an Average 29.1% Starting October 15, 2026
The California Department of Insurance approved a 29.1% average FAIR Plan rate increase, less than the 35.8% requested. Increases vary by location.