Earthquake Deductible
Definition
The percentage of a property's insured value that the policyholder must pay before insurance coverage begins. Earthquake deductibles are typically 10-25%, much higher than standard insurance deductibles.
Example
With a 15% deductible on a $500,000 home, the owner pays the first $75,000 in earthquake damage.
Related Terms
Related Guides
How Earthquake Insurance Works: Premiums, Deductibles, and Coverage
Earthquake insurance has unique deductibles (10-25% of home value) and coverage terms. Understand premiums, exclusions, and what's actually covered.
Earthquake Insurance by State: A US Comparison
Earthquake insurance availability and cost varies dramatically by US state. Compare rates and coverage options across high-risk and low-risk areas.
California Earthquake Authority (CEA) Explained
The CEA is the largest residential earthquake insurance provider in the US. Learn about its policies, deductible options, and retrofit discounts.
Flood Insurance vs Earthquake Insurance: Know the Difference
Flood and earthquake insurance are separate policies with different rules. Understand which natural disasters are covered and where gaps exist.
Renters Earthquake Insurance: What You Need to Know
Renters can get affordable earthquake insurance for personal property and temporary living expenses. Learn the costs and coverage options.
How to File an Earthquake Insurance Claim
Filing an earthquake insurance claim requires documentation and patience. Learn the step-by-step process to maximize your claim settlement.
Earthquake Insurance Costs: What Affects Your Premium
Earthquake insurance premiums range from $100 to $5,000+ annually. Learn what factors determine your cost and how to lower your premium.
Does Homeowners Insurance Cover Earthquakes?
Standard homeowners insurance excludes earthquake damage. Learn what's covered, what's not, and why you need a separate earthquake policy.
After the Earthquake: Navigating the Claims Process
The earthquake insurance claims process can take months. Learn how to document damage, work with adjusters, and appeal denied claims.
Earthquake Preparedness for Apartment Dwellers
Apartment earthquake preparedness has unique challenges. Learn about building assessments, neighbor coordination, and renter-specific strategies.
Frequently Asked Questions
The epicenter is the point on the Earth's surface directly above the hypocenter (focus) where the earthquake rupture begins. It is typically reported as latitude and longitude coordinates. The strongest shaking usually occurs near the epicenter, though local soil conditions and fault geometry can shift the zone of maximum damage.
A seismograph (or seismometer) is an instrument that detects and records ground motion caused by seismic waves. Modern broadband seismometers can detect movements smaller than the width of an atom. Networks of seismographs around the world enable scientists to locate earthquakes and determine their magnitude within minutes.
P-waves (primary waves) are compressional waves that travel fastest through rock, arriving first at seismic stations. S-waves (secondary waves) are shear waves that arrive later but cause more ground shaking. P-waves travel through solids, liquids, and gases; S-waves only travel through solids. The time difference between them helps determine earthquake distance.
The hypocenter (or focus) is the point within the Earth where an earthquake rupture initiates. It is described by latitude, longitude, and depth. The vertical distance between the hypocenter and the surface directly above is the earthquake's depth, which strongly influences how the earthquake is felt at the surface.
Seismology is the scientific study of earthquakes and the propagation of seismic waves through the Earth. It encompasses earthquake detection, location, and characterization; Earth's internal structure; seismic hazard assessment; and earthquake engineering. Seismologists use data from global seismograph networks to study these phenomena.