A licensed California broker who quotes the CEA and the private market, for twenty years.

Why this site exists

Every homeowners and commercial property policy in California excludes earthquake. Most people find that out one of two ways: when their home insurer offers them a single California Earthquake Authority quote at renewal, or after the ground has already moved and no carrier will write a new policy for a month.

CheapEarthquakeInsurance.com is the earthquake desk of Jump Insurance Services, an independent San Diego brokerage. Independent means we are not tied to one carrier. We quote the CEA policy your home insurer would offer and the private, admitted, A-rated carriers that compete with it, on one submission, and we put the results side by side so you can see the deductible, the limits and the premium next to each other before you decide.

What we write

Residential earthquake for homes, condos and rental property, including condo loss-assessment coverage and retrofit credits. Commercial earthquake for retail, industrial, office, hospitality, multifamily and HOAs, placed in the admitted and surplus markets and sized to the PML and the lender's covenant. Our sister agencies write flood insurance in California and across the country, and Jump Insurance Services handles the rest of a commercial program.

How we work

You tell us about the property. We quote every market that will write it. You pick. We bind, handle the lender, and re-shop it at renewal when the market moves. Quotes are usually back inside 24 hours of a complete submission, and there is never an obligation.