For an additional premium, a CEA homeowners policyholder can choose higher optional limits:
loss of use limits up to $100,000;
personal property limits of $5,000 or $25,000;
building code upgrade raised from $10,000 to $20,000 or $30,000.
The CEA Coverage A and B limit must match the homeowners dwelling limit, and the CEA policy form says it has no guaranteed or extended replacement cost feature.
Retrofit discounts: Section 10089.40(d) sets a 5% discount for qualifying seismic retrofits but lets the CEA board approve more if actuarially sound, so 5% is not a ceiling. CEA's current table gives 25% to a retrofitted house built in 1939 or earlier on a raised foundation. Slab homes get no retrofit discount because their rate already reflects the lower risk.