California Earthquake Coverage
Along with many other insurers, Amica partners with GeoVera and the California Earthquake Authority (CEA) to provide important earthquake coverage for California policyholders.
You don’t need to be an existing Amica policyholder to obtain a policy with GeoVera, but Amica can help you as you choose a policy. If you have a home, condo, dwelling or renters policy with Amica, you’re eligible to purchase a residential earthquake insurance policy with the CEA.
Discover insurance built on empathy with a customized home insurance quote today.
Some important information about these providers
GeoVera is a stand-alone provider and offers indemnification. It’s the only stand-alone earthquake insurance carrier rated A (Excellent) by AM Best1 and offers flexible limits and a broad range of deductible options, as well as coverage for other structures (pools, sheds, detached garages, etc.) under one policy.
GeoVera has an online portal and the ability to pay via credit card. Customers who prefer to get a policy and file a claim online would be better suited with GeoVera.
The CEA provides most earthquake coverage throughout California. CEA policies are for disaster assistance and are available as a companion to your existing residential policy. A separate policy would be needed for other structures with the CEA.
Customers who would rather have simpler catastrophe coverage that matches their home policy, or prefer to have their claim handled by Amica, would be better suited with the CEA.
Getting a GeoVera policy
It’s easy to get a GeoVera quote online anytime:
If you have questions about a current policy or would like more information on how to obtain a GeoVera policy to supplement your Amica policy:
Call 800-242-6422, ext. 73500
A representative can show you how a stand-alone earthquake insurance policy from GeoVera can protect your home.
Getting a CEA policy
For questions on a current policy, or information on how to obtain a CEA policy to supplement your Amica policy:
Call 855-206-6493
The Earthquake Service Center will help answer questions about residential earthquake insurance.
Coverage questions asked by California customers
GeoVera is the premier stand-alone provider of residential earthquake insurance. It is the only “A” rated (Excellent) stand-alone Earthquake carrier by AM Best and offers customers flexible limits with competitive rates and a broad range of deductible options.
A GeoVera policy is available to any Amica home, condo, dwelling or renters policyholders. You can get a quote by calling 800-242-6422, ext. 73500.
You can make a claim directly with GeoVera online or by calling 800-631-6478.
CEA is short for the California Earthquake Authority. After the Northridge earthquake, the California Legislature created the 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.
A CEA policy is available to any Amica home, condo, dwelling or renters policyholders. An offer of earthquake insurance is mailed to your preferred mailing address when your policy starts.
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 Earthquake Service Center at 855-206-6493.
1 A (Excellent) is the third highest of 13 company ratings. Ratings range from A++ (Superior) to D (Poor). AM Best's ratings measure an insurer’s financial strength.
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