Short answer: Under California Insurance Code §10081, an insurer selling residential property insurance must offer earthquake coverage when the policy is first issued. If you decline, it must offer again every other year at renewal. The offer can arrive up to 60 days after issuance or renewal (§10083). Declining is your choice, and standard homeowners policies don't cover earthquake damage.
The law
- §10081 requires the offer when the policy is issued and every other year after you decline.
- §10083 says the offer can come before, with, or within 60 days of issuance or renewal.
What to do with the offer
- Read it before you throw it away. Earthquake coverage has its own deductible, often a percentage.
- Compare the CEA with private options. See our CEA vs. private guide.
- An older raised-foundation home may qualify for the Brace + Bolt retrofit grant.
Questions? Contact Alishahi Insurance or call (877) 711-4545. Vea California earthquake insurance.
Frequently asked questions
Why do I keep getting earthquake offers?
California law requires insurers to repeat the offer every other year if you decline.
Does homeowners insurance cover earthquakes in California?
No. You need separate earthquake coverage.
Do I have to buy it?
No. It's optional.
Alishahi Insurance · 439 N Canon Dr, Penthouse, Beverly Hills, CA 90210 · (877) 711-4545 · CA License #4348151. General information only. This isn't legal, tax or financial advice or a coverage determination. Coverage depends on policy language and underwriting, and rules vary by state.