California's 6 Best Home Insurance Finder Apps

Let's be honest: you don't have time to waste chasing down insurance companies that aren't going to cover you anyway. The process of repeatedly entering your address, home details, and personal information on countless websites is exhausting and often fruitless. In today's difficult California market, efficiency is everything. You need a tool that does the heavy lifting for you, sorting through the noise to find viable options quickly. The right app can transform your search from a weeks-long headache into a focused, productive effort. This guide is designed to help you find the best home insurance finder app California has to offer, so you can stop spinning your wheels and start securing the coverage you need.

Key Takeaways

• Focus on Availability Before Price: In California, the biggest hurdle is finding a company willing to cover you. Use an app to first see who is actively writing policies in your ZIP code, then compare the costs of those available options.
• Use Apps to Simplify Your Search, Not to Fix the Market: These tools are fantastic for comparing quotes and finding discounts, but they can't change high premiums or limited options in high-risk areas.
• Fill Your Coverage Gaps Intentionally: Standard California home insurance doesn't cover earthquakes, and the FAIR Plan is not a complete policy. Be proactive about purchasing separate coverage for these major risks to ensure your home is fully protected.

Finding Home Insurance in California? These Apps Can Help

Navigating the California home insurance market can feel like a full-time job. Between insurer pullbacks and rising costs, just figuring out who is still writing policies in your area is a huge challenge. The good news is you don't have to do it all on your own. Several apps and online tools are designed to cut through the noise, helping you compare options, find licensed agents, and get a clearer picture of the landscape. Whether you're looking for a simple way to compare quotes or need to find specialized coverage for a high-risk area, there’s likely a tool that can make your search a little easier. Let's walk through some of the best options available to California homeowners right now.

CovFind

If you want to start with a trusted, official resource, CovFind is an excellent choice. This online tool is provided directly by the California Department of Insurance to help you locate insurance companies and licensed agents in your specific area. Instead of just giving you quotes, it focuses on availability, showing you which insurers are actively writing policies near you. This is incredibly valuable in a market where many companies have paused or restricted coverage. Think of it as your official starting point for identifying potential insurers before you dive into comparing prices. It’s a straightforward way to get reliable information and find professionals who can provide tailored coverage options for your home.

Policygenius

Policygenius is a popular insurance marketplace that excels at helping you compare quotes from multiple companies at once. Its platform is designed to be user-friendly, walking you through the process of finding the right coverage and the best rates for your situation. You fill out one application, and the tool pulls in competing offers, laying them out so you can easily see the differences in price and policy details. For homeowners who feel overwhelmed by having to shop around on dozens of different websites, Policygenius streamlines the entire process. It’s a great way to get a comprehensive look at your options and make a more informed decision without all the hassle.

Matic

Similar to other comparison tools, Matic lets you find and compare home and auto insurance quotes, but it stands out with its large network of over 60 reputable insurance companies. This broad reach increases your chances of finding a carrier that meets your needs, even in a challenging market like California's. The platform is completely free to use and is built to be simple and intuitive. If you're looking to shop for insurance efficiently and want to cast a wide net, Matic provides access to a diverse range of providers. It’s especially helpful if you’re also thinking about bundling your home and auto policies to save money.

Lemonade

For those who prefer a modern, tech-forward experience, Lemonade offers an innovative approach to home insurance. The entire process, from getting a quote to filing a claim, is handled through its slick and easy-to-use app. Lemonade uses technology to streamline everything, which often results in a fast and hassle-free experience. They offer a variety of coverage options that you can customize to fit your needs. While its model might feel different from traditional insurers, it has become a popular choice, particularly for tech-savvy homeowners who appreciate efficiency and a straightforward digital interface. It’s one of the best homeowners insurance companies if you value a simple, app-based process.

Jerry

Jerry is another app focused on making the insurance shopping process as simple as possible, with a strong emphasis on finding the best rates. It works as an insurance broker, comparing quotes from various providers to find you the most affordable coverage for your home. You provide your information once, and Jerry does the legwork of searching for deals. The app is designed to save you time and money by automating the comparison process. If your main goal is to compare home insurance quotes and secure the lowest possible premium without spending hours on the phone or filling out endless forms, Jerry is a solid tool to have on your side.

Insurify

Insurify helps you compare home insurance quotes from multiple carriers in one place, but it also focuses on providing personalized recommendations. After you enter your information, the app analyzes your needs and suggests coverage options that are the best fit for you. This can be particularly helpful if you’re not sure exactly what kind of policy or endorsements you need. Instead of just showing you a list of prices, Insurify aims to match you with the right insurer based on your unique profile. It’s a convenient way to instantly compare insurance quotes while also getting some guidance on which options make the most sense for your property.

What to Look For in a Home Insurance App

With so many apps promising to simplify your insurance search, it can be tough to know which ones are actually helpful. The truth is, not all tools are built for the unique challenges we face in California. A great app goes beyond just showing you a list of names; it gives you the clarity and confidence to make a smart decision. When you’re evaluating your options, look for these key features to make sure you’re getting a tool that truly understands the California market and can save you time, money, and a whole lot of stress.

Real-Time Insurer Availability Data

In a market where insurance companies can pause writing new policies in certain areas overnight, outdated information is a dead end. The most critical feature an app can offer is real-time data on which insurers are actively offering coverage in your specific ZIP code. This saves you from wasting hours filling out applications only to be rejected. A good app should provide up-to-date information that reflects the current, on-the-ground reality. You need to know who is open for business right now, not who was available six months ago. This single feature can turn a frustrating, fruitless search into a productive one.

Multiple Quote Comparisons

Getting just one quote is like seeing just one house when you’re home shopping—you have no context for what’s a fair price. An effective app should let you easily compare home and auto insurance quotes from a wide range of providers. Instead of re-entering your address, home details, and personal information on a dozen different websites, you can do it once and see your options side-by-side. This is the fastest way to get a clear picture of the market and find a policy that offers the right coverage for your budget. Look for an app that partners with a diverse mix of national and regional carriers to give you the most comprehensive view.

Risk Assessment Tools

Living in California means dealing with risks that many other homeowners don't think about, especially wildfires. The best insurance apps include tools that help you understand your property's risk level. These features can analyze your home’s location and other data to give you a clearer picture of its vulnerability. Some even provide actionable advice on how to mitigate those risks, like creating defensible space or installing a fire-resistant roof. Taking these steps can sometimes lead to discounts on your premium, so an app that guides you through this process is incredibly valuable.

A Clean, Easy-to-Use Interface

The process of finding homeowners insurance is complicated enough without having to fight with a clunky, confusing app. A clean and simple design is more than just a nice-to-have; it’s essential. You should be able to enter your information, review your quotes, and understand your coverage options without any friction. The best apps use intuitive, user-friendly interfaces that guide you through the process step-by-step. If an app is difficult to use or full of jargon, it’s probably not the right tool to help you solve an already complex problem.

Access to State Programs and FAIR Plan Information

When you’ve been turned down by traditional insurers, you need to know what your other options are. A truly helpful app for Californians will provide clear, easy-to-understand information about last-resort coverage like the California FAIR Plan. This isn’t a standard homeowners policy, but it provides essential fire coverage when you can’t get it elsewhere. An app that includes details on the FAIR Plan and other state-level programs shows it’s designed specifically for our market’s challenges. It ensures you’re aware of every possible path to getting your home protected, even when the private market is tight.

How Do the Top Insurance Apps Stack Up?

When you’re trying to find coverage in California’s tricky market, the right app can make all the difference. But with so many options, it’s tough to know which one will actually deliver. Let’s break down the key features to compare so you can choose the tool that best fits your needs.

Coverage Options and Provider Networks

The whole point of using an insurance finder app is to see your options, so a large network of providers is non-negotiable. The more insurers an app partners with, the better your chances are of finding a company that’s actually writing policies in your area. Some platforms, like Matic, work with dozens of A-rated insurance companies, giving you a broad view of the market. A robust network is your best defense against hearing "no" over and over. The state’s own Home Insurance Finder is a good starting point, as it lists all licensed companies, but consumer apps often provide a more streamlined comparison experience.

Speed and Ease of Use

You’re already dealing with the stress of securing insurance; the last thing you need is a clunky, confusing app. The best tools are designed to be intuitive and fast. Look for apps that offer a clean interface and a straightforward process. For example, some services can generate multiple quotes in just a few seconds, saving you hours of repetitive data entry. Others, like Progressive’s HomeQuote Explorer, let you compare rates and coverage details side-by-side. A simple, efficient user experience shows that the company respects your time and is focused on getting you answers quickly.

User Ratings and App Store Performance

Before you download anything, take a minute to see what other users are saying. App store ratings are a quick way to gauge overall satisfaction. For instance, the Progressive app has earned high marks from hundreds of thousands of users, which is a strong indicator of reliability. But don’t just look at the star count. Read a few recent reviews to understand the pros and cons from real customers, especially those in California. Their feedback can give you a heads-up on potential issues, like inaccurate quotes or a limited number of providers in high-risk fire zones.

Language Support and Accessibility

A good tool should be accessible to everyone. California is incredibly diverse, and language support can be a critical feature if English isn’t your first language. Some tools, including the one offered by the California Department of Insurance, allow you to search for agents who speak specific languages. Beyond language, look for apps with features that make the process easier. For example, the National Association of Insurance Commissioners offers a Home Inventory app that helps you document your belongings—a simple but incredibly useful tool when you’re figuring out how much coverage you need. These thoughtful features show an app is designed with real homeowners in mind.

Which App Is Best for High-Risk California Homes?

Living in a beautiful, high-risk part of California means finding home insurance isn't as simple as getting a few quotes. Whether you're in a wildfire-prone canyon, on an earthquake fault line, or along the coast, you need a tool that understands the market's unique challenges. The truth is, many standard insurance apps fall short here. They might return no quotes at all, leaving you frustrated and without a clear path forward.

The best app for your high-risk home is one that goes beyond basic price comparisons. You need a tool that provides real-time data on which companies are actively writing policies in your specific area. Some apps are better at connecting you with surplus line carriers or providing clear information on last-resort options like the California FAIR Plan. Your specific risk will determine which app features are most critical. For example, if you're in a high fire-risk zone, an app that simply tells you which insurers are still open for business in your ZIP code is invaluable. Think of it less as finding the cheapest price and more as finding a viable, available option to protect your home.

Wildfire-Prone Zones

If you live in an area with high wildfire risk, you’ve likely felt the impact of the insurance pullback. Major companies like Allstate and State Farm have stopped offering new policies in many parts of the state, drastically shrinking the pool of options. For homeowners in these zones, the most critical feature an app can offer is up-to-date information on insurer availability. An app that can instantly tell you which carriers are still writing policies in your ZIP code saves you from wasting hours chasing dead ends. Look for tools that specialize in this kind of real-time market data, as they provide the most direct route to finding coverage.

Earthquake Risk Areas

Here’s a fact that surprises many California homeowners: your standard home insurance policy does not cover damage from earthquakes. To protect your home and belongings from shakes, you need to buy a separate earthquake policy. This can be done through a private insurer or the California Earthquake Authority (CEA), a publicly managed provider. When evaluating apps, check to see if they facilitate quotes for earthquake insurance specifically. Many generic apps don't handle this specialty coverage well, so you'll want one that either integrates with the CEA or has a network of providers that offer this essential add-on policy.

Coastal Properties

Owning a home on the California coast comes with its own set of insurance hurdles, from storm surge and erosion to flood risk (which also requires a separate policy). Insurers have become increasingly selective about the coastal properties they are willing to cover, making the search for a policy a real challenge. The best apps for coastal homeowners are those with access to a broad network of carriers, including specialty and surplus line insurers who are equipped to handle non-standard risks. These apps can connect you with experts who understand the complexities of insuring coastal homes, giving you a better chance of securing a policy.

Finding Coverage When Standard Options Are Gone

What happens when you’ve been non-renewed and every standard insurer turns you down? This is where the California FAIR Plan comes in. It’s a state-mandated insurance pool designed as a last-resort option for homeowners who can't find coverage elsewhere. However, it’s important to know that the FAIR Plan offers very basic coverage, typically only for fire, lightning, and smoke damage. A truly helpful app won’t just show "no results." Instead, it will provide clear information about the FAIR Plan and guide you on how to supplement it with a Difference in Conditions (DIC) policy to cover other essential risks like liability and theft.

Can Insurance Apps Help You Find Discounts?

Absolutely. Beyond just showing you who’s available, many insurance finder apps are designed to help you uncover savings you might not have known about. In a market as expensive as California’s, every little bit helps. These apps often streamline the process of identifying and applying for discounts, which can make a real difference in your annual premium. Instead of digging through different insurer websites or spending hours on the phone trying to ask the right questions, you can often see your potential savings laid out in one place.

Think of these apps as your personal discount detective. They can quickly scan for common savings opportunities, from bundling policies to rewarding you for home safety upgrades. For many California homeowners, the constant worry about rising costs is exhausting. Using an app can feel like you finally have a tool working on your side, actively looking for ways to lower your bill. It’s a straightforward way to make sure you’re not leaving money on the table. Let’s look at some of the most common discounts these apps can help you find.

Bundling Home and Auto

This is one of the most common and effective ways to save. If you have both your home and auto insurance with the same company, they’ll often give you a significant discount. Many apps make it easy to see what these bundling discounts look like from different providers. Some insurers offer savings of up to 20% on your homeowners policy when you combine it with your auto insurance. The apps simplify the process by letting you get quotes for both policies at once, showing you the total cost and the bundled savings clearly. It’s a win-win: you get a lower premium and the convenience of managing your policies in one place.

New Home and Safety Feature Credits

Insurers love features that reduce risk, and they’ll often reward you for them. If you live in a recently built home or have made significant safety upgrades, you could qualify for a discount. Apps can help you identify these opportunities by asking specific questions about your property. Things like having a modern electrical system, a central fire and burglar alarm, or even storm shutters can lower your premium. Some apps will guide you through a checklist of potential safety features to see what credits you might be eligible for, taking the guesswork out of the process.

Claims-Free Rewards

Many insurance companies offer discounts to homeowners who haven’t filed a claim for a certain number of years, typically three to five. It’s their way of rewarding you for being a responsible, low-risk policyholder. An insurance app can help you keep track of your claims history and alert you when you become eligible for these savings. According to some home insurance reviews, these rewards can be a powerful incentive to handle smaller repairs out-of-pocket instead of filing a claim that could raise your future rates. The app can make this benefit more visible so you know exactly what you’re working toward.

App-Exclusive Offers

Sometimes, the best deals are the ones you can only find through an app. Certain platforms, like Progressive’s HomeQuote Explorer®, are built to compare rates from multiple companies at once, and they can sometimes surface special offers that aren’t advertised elsewhere. These app-exclusive deals might include limited-time promotions or unique discounts tailored to your specific profile. By using a comparison app, you’re essentially casting a wider net and increasing your chances of catching a better rate than you would by checking with insurers one by one. It’s a smart way to make sure you’re seeing the full picture of what’s available.

What Can You Learn From User Reviews?

When you’re trying to find home insurance in California, it can feel like you’re navigating a maze blindfolded. User reviews for insurance apps can be like getting tips from someone who just finished the maze. They offer a ground-level view of what it’s actually like to use the service, from getting a quote to filing a claim. While no single review tells the whole story, looking at the patterns can give you a huge advantage.

Think of reviews as a way to gut-check a company’s marketing promises. Does the app really deliver instant quotes? Is the customer service team actually helpful? Real users will tell you what’s working and what’s not. Sifting through feedback helps you spot potential headaches before you commit, saving you time and frustration down the line. It’s one of the best ways to evaluate different companies and find a policy that truly fits your needs.

Common Themes in User Feedback

When you start reading reviews, you’ll notice common themes pop up again and again. For top-rated apps, users often praise the speed and simplicity of the interface. You’ll see comments about how easy it was to get a quote or how intuitive the app is to use. For example, some insurance apps earn high marks in app stores because they make a complicated process feel straightforward. Positive reviews frequently mention a smooth, user-friendly process and a good variety of coverage options. These are signs that an app is designed with the customer in mind, which is exactly what you want when dealing with something as important as home insurance.

Red Flags to Watch For

On the flip side, negative reviews are your early warning system. A few complaints are normal, but a pattern of similar issues is a major red flag. Keep an eye out for users mentioning inaccurate initial quotes that suddenly jump up later in the process. Another common complaint is difficulty reaching a real person for support. If you see dozens of reviews about long hold times or unhelpful service agents, that’s a sign of what you might face if you ever need to file a claim. It’s crucial to consider these reviews alongside your own coverage needs and budget to avoid a company that looks good on the surface but fails when you need it most.

How to Judge Rating Reliability

Not all reviews are created equal. To get an accurate picture, look at both the rating and the number of reviews. An app with a 4.8-star rating from 500,000 users is a much safer bet than one with a 5-star rating from 50 users. Read a mix of the 5-star, 3-star, and 1-star reviews to get a balanced perspective. Also, check the dates—recent reviews are more relevant, especially in California’s fast-changing market. Ultimately, reading through a wide range of homeowners insurance reviews helps you see beyond the marketing and understand the real-world customer experience.

What Are the Downsides of Using an Insurance App?

While insurance apps can streamline your search, they aren't a magic fix for California's challenging insurance market. These tools are incredibly helpful for comparing quotes and exploring options, but they operate within the same reality that homeowners and agents face every day. The app is a window into the market, and right now, that market has some significant hurdles.

The main limitations you'll encounter aren't flaws in the apps themselves, but reflections of the broader insurance landscape. Think of it this way: an app can help you shop for groceries, but it can't lower the price of eggs or stock the shelves with items the store doesn't carry. Understanding these constraints will help you use these tools more effectively and set realistic expectations for your search. Knowing the potential pitfalls ahead of time is the best way to prepare for them and find a path forward.

Rising Premium Costs

One of the first things you’ll notice, with or without an app, is the staggering cost of coverage. Many California homeowners have seen their premiums double or even quadruple in just a few years. An insurance finder app will show you these high prices, but it can’t change them. The quotes you receive are based on complex risk calculations that reflect the increased frequency of wildfires and other natural disasters. While an app is great for comparing these rising costs side-by-side, be prepared for some sticker shock. The affordability crisis is real, and it’s the number one hurdle for homeowners across the state.

Fewer Provider Options in High-Risk Areas

If you live in an area deemed high-risk, you may find that an insurance app returns very few—or even zero—results. This isn't a glitch. It’s a direct result of major insurers like State Farm and Allstate stopping new policies in California. These companies have significantly reduced their exposure to wildfire risk, leaving fewer choices for homeowners. An app’s network is only as strong as the number of carriers willing to write policies in your ZIP code. When that pool of providers shrinks, so do your options within the app. This is why knowing who is actively writing policies in your area is the critical first step.

Quote Accuracy and Claims History Issues

The quotes you get from an app are preliminary estimates. The final price is determined after a deep dive into your property details and, crucially, your claims history. Even a small, unrelated claim—like for items stolen from your car that were covered by your home insurance—can cause a provider to deny coverage or drastically increase the final premium. An app might not weigh this history heavily in its initial quote, leading to a frustrating bait-and-switch experience. The initial number looks good, but once the underwriter reviews your file, the offer can change completely or disappear altogether. Always treat the first quote as a starting point, not a guarantee.

Are Free Insurance Apps as Good as Paid Services?

It’s a fair question: if a service is free, what’s the catch? When you’re trying to protect your biggest asset, it’s smart to be skeptical. But in the world of insurance technology, “free” doesn’t mean you’re getting a watered-down product. Many of the most powerful insurance finder apps are completely free to use because they earn a commission from the insurance company after they help you secure a policy. This model means their goal is the same as yours: to get you covered.

The best free apps provide immense value without asking for a cent upfront. They are built to help you compare home and auto insurance quotes from dozens of different providers at once, saving you the headache of calling multiple agents. Instead of limiting your options, they broaden your search and give you a clear view of what’s available. Many of these platforms are designed to be incredibly user-friendly, allowing you to instantly compare homeowners insurance rates and coverage details in just a few minutes.

Ultimately, the quality of an insurance app isn’t determined by whether it has a price tag. It’s determined by the accuracy of its data, the breadth of its provider network, and how easy it makes the process for you. A well-designed free tool can connect you with companies offering some of the most competitive homeowners insurance rates in California, often more efficiently than a paid service. The focus should be on which app gives you the clarity and options you need to make a confident decision, not on how much it costs to use.

Clearing Up Common California Insurance Myths

When you’re trying to insure your home in California, it feels like you’re working with a rulebook that’s constantly changing. It’s easy to get overwhelmed by conflicting advice and outdated information. Let’s cut through the noise and tackle some of the most common myths and misunderstandings about homeowners insurance in the state. Getting clear on these points will help you make smarter decisions and feel more in control of your search for coverage. Think of this as your straightforward guide to what’s really going on, so you can focus on what matters: protecting your home and your family.

What to Know About Earthquake Coverage

One of the most dangerous assumptions a California homeowner can make is that their standard policy protects them from earthquake damage. The hard truth is, it doesn’t. Standard homeowners insurance policies explicitly exclude damage from earth movement, including earthquakes. To get this crucial protection, you need to purchase a separate earthquake insurance policy. You can typically get one from a private insurer or through the California Earthquake Authority (CEA), a publicly managed provider. Don’t wait until it’s too late to find out you’re not covered; check your policy and secure separate coverage if you live in an area at risk.

Understanding the California FAIR Plan

If you’ve been denied coverage by traditional insurers, you’ve probably heard about the California FAIR Plan. Many people think of it as a standard insurance policy, but it’s actually a last-resort option with very limited coverage. The FAIR Plan only covers damage from fire, lightning, smoke, and internal explosions. It does not cover common risks like theft, water damage, or liability. To get that broader protection, you’ll need to buy a second, separate policy called a “difference in conditions” (DIC) policy to wrap around your FAIR Plan policy. It’s a two-part solution for a complex problem.

The Truth About Insurer Availability

It’s not just you—finding an insurer willing to write a new policy in California has become incredibly difficult. Due to massive losses from recent wildfires, many of the big-name companies like State Farm and Allstate have paused or severely restricted writing new homeowners policies in the state. The few insurers still actively writing policies have become much more selective and often more expensive. This is why simply calling your old agent might not work anymore. Knowing which companies are actually open for business in your specific ZIP code is the first and most important step in finding coverage today.

Your Next Steps

Now that you have a better handle on the apps out there, it’s time to take action. Finding the right home insurance in California can feel overwhelming, but breaking it down into a few manageable steps makes the process much easier.

A great place to start is with the official Home Insurance Finder from the California Department of Insurance. This online resource helps you locate licensed insurance companies and agents in your area, giving you a solid baseline of who is available to you.

Once you have a list of potential insurers, the next move is to compare quotes. But don't just look at the price tag. The best approach is to find a policy that balances cost with great customer satisfaction. Learning how to compare home insurance quotes effectively will help you find a company you can rely on when you need them most.

Before you finalize your coverage amount, it’s smart to get a clear picture of what you own. Using a home inventory app to document your belongings is a simple way to calculate their total value. This not only helps you choose the right coverage level but also makes filing a claim much smoother down the road.

Finally, to speed up your search, you can use a tool like Progressive's HomeQuote Explorer®. It lets you instantly compare homeowners insurance rates and coverages from multiple companies, which can save you a ton of time and effort. By following these steps, you can move forward with confidence and find the right protection for your home.

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Frequently Asked Questions

I live in a high-risk fire area and the apps aren't showing any options. What should I do? This is an incredibly common and frustrating situation right now. If comparison apps are coming up empty, it likely means standard insurance carriers have paused writing new policies in your neighborhood. Your next step is to look into the California FAIR Plan. It’s not a traditional policy, but a last-resort option that provides basic fire coverage. You will also need to purchase a separate "Difference in Conditions" policy to cover other essentials like liability and theft.

Are the quotes I see in these apps the final price I'll pay? You should treat the initial quotes you receive as a very good estimate, not a final guarantee. The app provides a price based on the information you enter, but the insurance company will do a more thorough review before issuing the policy. They will look at your property's specific details and your personal claims history, which can sometimes cause the final premium to be higher than the initial quote.

With so many apps, which one is the best for me? The best app really depends on your primary goal. If your main challenge is just figuring out which companies are still writing policies in your ZIP code, a tool focused on insurer availability is your best starting point. If you already know a few companies are available and your main goal is to find the most competitive price, then a quote comparison marketplace will be more efficient for you.

Why use an app instead of just calling an insurance agent? Apps and agents can both be valuable resources. The biggest advantage of using an app is speed and efficiency, allowing you to compare multiple options side-by-side in minutes without any sales pressure. However, an experienced independent agent can provide personalized advice, help you understand complex coverage needs, and advocate for you, which is something an app can't do. Many people find success by using an app for initial research and then contacting an agent to finalize their policy.

Will these apps help me find earthquake or flood insurance? Most standard insurance finder apps are focused on homeowners policies, which do not cover damage from earthquakes or floods. You need to purchase separate, specialized policies for that kind of protection. While some apps may offer quotes for earthquake coverage through partners like the California Earthquake Authority (CEA), you will likely need to seek out these policies specifically rather than assuming they are part of the standard options presented.