Financial strength and market type
- Financial strength: Public instrumentality of the State of California — not rated by AM Best; backed by participating insurers and capital markets
- Market type: Public instrumentality — residential earthquake policies written through participating admitted carriers
What properties this carrier writes
Owner-occupied single-family homes, condominiums, and mobile/manufactured homes in California. Available through participating homeowners carriers including Allstate, CSAA, Farmers, Mercury, State Farm, and others.
Policy structure
Deductible options: 5%, 10%, 15%, 20%, and 25% of dwelling limit. Lower options may be restricted for certain construction types or high-value homes.
Coverage parts available: Dwelling (Coverage A), personal property (Coverage C), loss of use / ALE, building code upgrade (Coverage D). Each is selected and priced separately. The CEA's Homeowners Choice policy allows selecting only dwelling coverage without personal property if desired.
Why brokers include this carrier
Broad market access through existing homeowners carrier relationships, standardized policy forms, and state-backed capital structure. Available to most California homeowners regardless of construction type or location.
What to review before binding
CEA policy forms have specific exclusions and sublimits. Personal property coverage uses a per-category sublimit structure. Deductible applies per occurrence to each coverage part. Some construction types may be restricted to higher minimum deductibles. Not available for rental or investment properties.
Broker access and submission
Independent brokers can access CEA policies through participating carriers and compare them against private market alternatives. For standard-construction owner-occupied homes, CEA is often a competitive baseline. For older, masonry, hillside, or higher-value homes, private market comparison is especially worthwhile.
The Best Earthquake Insurance application collects all the construction, foundation, retrofit, and coverage detail that brokers need to submit to these markets. A completed application is reviewed by Bollinsure, which shops the available carrier set for your specific property profile.
Compare all carriers Bollinsure accesses
Bollinsure shops your completed application across all available markets to find the best fit for your property. Review each carrier's appetite, financial strength, and form terms:
Palomar Specialty · GeoVera · ICW Group · Arrowhead · Munich Re · QBE · AXIS Capital · Lloyd's of London · Homeowners of America · Specialty and E&S markets