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California Earthquake Coverage FAQs

Coverage questions asked by California customers

You will be mailed an offer for earthquake coverage with CEA before your policy renewal date. You must sign and return the offer, complete the application and submit the necessary payment.

New California policies written on or after Aug. 1, 2018, will be offered earthquake coverage through CEA. Policies that renew on or after Nov. 1, 2018, will not include earthquake coverage, and an offer for earthquake coverage will be mailed to you.

CEA is short for the California Earthquake Authority. After the Northridge earthquake, the California State Legislature created CEA in 1996. CEA is a not-for-profit, residential earthquake provider that encourages Californians to reduce their risk of earthquake loss. CEA is a publicly managed, privately funded entity and receives no money from the California state budget, so the budget has no impact on CEA’s ability to pay claims.

Prior to your policy renewal date, you will receive an offer to purchase earthquake coverage that will include rate information, and you will also have the opportunity to customize your earthquake coverage with CEA. For an estimate, you can use the earthquake insurance premium calculator at

While earthquake coverage will be provided by CEA, Amica will still handle and respond to a claim if you have one. You may contact Amica directly at 800-242-6422 if you have an earthquake claim.

Please call the Amica CEA Service Center at 855-206-6493.