Earthquake insurance in California
California is a high-risk seismic zone. Standard homeowners insurance does NOT cover earthquakes — but we have the solution.
Coverage options
Dwelling
Covers damage to your home's structure caused by an earthquake or tremor.
Why choose Auto International
The only coverage that covers quakes
No standard California home insurance covers earthquakes. This policy does.
CEA and private insurers available
We offer California Earthquake Authority (CEA) policies and private insurer options to compare.
Deductible as percentage of value
The deductible is typically 10–25% of home value. We help you understand what that means for you.
Agents who know CA seismic risk
We advise you on active fault zones and what level of coverage makes the most sense for your area.
Frequently asked questions
Does homeowners insurance cover earthquakes?
No. Earthquakes are a standard exclusion in all California homeowners policies. You need a separate earthquake policy.
Is earthquake insurance worth it in California?
Yes, especially if you live near an active fault or if your home isn't built to modern seismic standards. The deductible is usually a percentage of home value (10–25%), but it protects you from total loss.
