Top Writers of Earthquake Insurance by 2018 Premium Written

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Earthquake coverage is available mostly from private insurance companies. In California homeowners can also get coverage from the California Earthquake Authority (CEA), a privately funded, publicly managed organization. Only about 10 percent of California residents currently have earthquake coverage, down from about 30 percent in 1996, two years after the Northridge, California, earthquake.

According to the Insurance Information Institute, just 8% of homeowners responding to a May 2016 poll said they have earthquake insurance. Homeowners in the West were most likely to have earthquake insurance with 14 percent saying they had the coverage followed by the Midwest at 7 percent; and the South and Northeast at 6 percent.

Here is a list of the top insurance companies writing earthquake coverage provided by Insurance Journal’s research partner Demotech Inc.

Rank	Company/Group	2018 Earthquake DPW Market ($000s)	Share
1	California Earthquake Authority	$774,296	23.8%
2	State Farm Group	$268,092	8.2%
3	Zurich Insurance Group	$225,717	6.9%
4	Chubb Ltd. Group	$157,018	4.8%
5	American International Group	$133,495	4.1%
6	Travelers Group	$127,366	3.9%
7	GeoVera Holdings Inc. Group	$104,634	3.2%
8	Palomar Specialty Insurance Co.	$92,980	2.9%
9	Liberty Mutual Group	$82,584	2.5%
10	AXA Insurance Group	$75,591	2.3%
11	Sompo Group	$70,565	2.2%
12	Berkshire Hathaway Group	$69,614	2.1%
13	USAA Group	$60,577	1.9%
14	Markel Corp. Group	$59,724	1.8%
15	Swiss Re Group	$59,612	1.8%
Top 15 Companies/Groups		$2,361,867	72.7%
TOTAL ALL Companies		$3,250,302	100.0%