Nikki Farag Agency
Call Anytime 310-390-4500
Nikki Farag Agency
Call Anytime 310-390-4500
California and the Pacific Coast are some of the most earthquake-prone regions in the world, yet fewer than 15% of homeowners in the state have earthquake insurance. At Nikki Farag Insurance Agency, we help protect what matters most by offering access to earthquake coverage through the California Earthquake Authority (CEA).
Created in 1995, the CEA is a nonprofit, privately funded organization that works with participating insurance companies—including Farmers — to provide affordable earthquake insurance to Californians. This mini-policy can be added to your existing homeowners insurance and helps cover repairs, personal belongings, and even additional living expenses after a covered earthquake.
If you live near a fault line, now is the time to learn how to protect your home and family before disaster strikes.
Earthquake insurance helps cover the costs of repairing or rebuilding after a major quake — something standard homeowners policies typically don’t cover. Coverage may include:
Repairs to your home and attached structures
Replacement of damaged personal property (furniture, electronics, etc.)
Additional living expenses if your home becomes uninhabitable
Emergency repairs and loss of use
Earthquake insurance coverage in Los Angeles is more affordable than many people expect. Your premium is based on factors like:
The age and construction of your home
Your location and proximity to active fault zones
Coverage limits and deductible choices (typically between 5% and 25%)
Our team at Nikki Farag Agency can help you customize your policy to match your budget and risk level.
Living in California means enjoying the sunshine—and preparing for the unexpected. Earthquakes can strike without warning, and standard homeowners policies typically don’t cover the damage. That’s why I’m here to help you understand your options for earthquake insurance and find a policy that fits your needs and budget. If you’re unsure whether you have the right protection in place, let’s talk. I’m here to make sure you’re covered when it matters most.
Nikki Farag
Farmers Insurance Agency Owner
License 4247364
At Nikki Farag Insurance Agency, our clients are at the heart of everything we do. From personalized guidance to reliable coverage, we’re proud to earn the trust of families and business owners across Greater Los Angeles. Here’s what some of our customers have shared about their experience working with us.
Reviews
Nikki and her team are absolutely fantastic. I’ve been with them for both my auto and home insurance for years, and they’ve always been incredibly responsive and helpful. Whether I need an extra copy of an insurance card, or just have a quick question, they’re always patient and easy to reach. I can’t recommend Nikki enough!
Reviews
I was referred to Nikki by a coworker who’s one of her clients, and I’m so glad I made the switch. I moved all of my policies over from State Farm because I really value the personalized service Nikki and her team provide. It’s refreshing to work with someone who takes the time to explain everything and is genuinely invested in helping you. I also love that she’s local—there’s a real sense of connection and trust.
Reviews
Nikki has been our insurance agent for just about a year now and we love the personal service we get with her. We have our home, autos and our landlord policies all with her through Farmers and I would highly recommend her to anyone who is looking for insurance!
Reviews
Amazing service! Got my five work trucks covered and got me a policy for my home insurance. Thank you Nikki you are a pleasure to work with 10/10 would recommend to anyone!!!
No — standard homeowners insurance policies in California do not cover earthquake damage. This means if your home, belongings, or foundation are damaged in an earthquake, you could be left paying out of pocket unless you’ve added separate earthquake insurance. At Nikki Farag Insurance Agency, we offer earthquake coverage through the California Earthquake Authority (CEA), which can be added as a mini-policy to your existing Farmers® homeowners insurance.
The cost of earthquake insurance in California depends on several factors, including:
The age and construction of your home
Your home’s location and proximity to known fault lines
The value of your home and personal belongings
The deductible you choose (CEA policies offer options like 5%, 10%, 15%, 20%, and 25%)
In general, premiums can range from a few hundred to a few thousand dollars per year, depending on your risk profile. We can provide a free, no-obligation quote so you understand exactly what you’d pay based on your location and coverage needs.
A CEA-backed earthquake policy provides financial protection for:
Structural damage to your home and attached structures (like your garage)
Personal property damaged during an earthquake (furniture, electronics, etc.)
Loss of use, which covers temporary housing and additional living expenses if your home is uninhabitable
Emergency repairs needed immediately after an earthquake
Optional coverage for breakables like dishes or electronics and exterior masonry such as chimneys or brick walls
We’ll walk you through available coverage options so you can choose what’s right for your home.
Yes. While newer homes in California are designed to better withstand earthquakes, no home is completely earthquake-proof. Even homes built after California’s seismic building codes were updated may suffer damage during strong ground shaking — especially to items like drywall, foundations, chimneys, and personal belongings. Earthquake insurance offers a financial safety net to help you recover and rebuild without depleting your savings or going into debt.
Earthquake insurance deductibles are percentage-based, not flat dollar amounts like in standard homeowners insurance. For example, if you choose a 15% deductible and your home is insured for $500,000, you would be responsible for the first $75,000 in damages. The deductible only applies to covered losses and varies by policy type (dwelling, personal property, loss of use, etc.).
Choosing a higher deductible typically lowers your premium, while a lower deductible increases your premium but reduces your out-of-pocket cost after a quake. We can help you evaluate what deductible works best for your financial situation and risk tolerance.