Public premium baseline
The latest California Department of Insurance residential earthquake study reports statewide premium and rate-per-thousand averages. Those figures are useful benchmarks, not a replacement for carrier underwriting.
Why two similar homes price differently
A 1950 raised-foundation house near a high-risk fault can price differently from a 2005 slab-on-grade home even with the same Coverage A limit. The deductible percentage also changes the annual premium materially.
Use a range, not a single number
Best Earthquake Insurance returns a preliminary annual range because final terms depend on policy form, carrier appetite, inspection, and application review.