No. Standard California homeowners policies exclude earthquake damage, so you need a separate earthquake policy or endorsement.
California law requires insurers that sell homeowners insurance to offer you earthquake coverage when you buy your policy and again every two years. You can buy it through the California Earthquake Authority (CEA) or from private carriers. Coverage usually includes the dwelling, with options for personal property and additional living expenses, and it carries its own percentage deductible.
Fire that follows an earthquake is generally covered by your homeowners policy. Older homes, especially those built before 1980 on raised foundations, may benefit from a seismic retrofit, and the CEA’s Brace + Bolt program has offered grants for retrofits in eligible ZIP codes. A retrofitted home may also qualify for a CEA premium discount.
Questions about your own policy? Elye Insurance in Mission Viejo helps homeowners and drivers across California and Nevada compare options from multiple carriers.
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