地震免赔额
定义
保单持有人在保险覆盖开始前必须支付的财产投保价值的百分比。地震免赔额通常为10-25%，远高于标准保险免赔额。
示例
在一处500,000美元房产15%免赔额的情况下，业主支付地震损坏中的前75,000美元。
相关术语
相关指南
地震保险如何工作:保费、免赔额和保障范围
Earthquake insurance has unique deductibles (10-25% of home value) and coverage terms. Understand premiums, exclusions, and what's actually covered.
按州分类的地震保险:美国比较
Earthquake insurance availability and cost varies dramatically by US state. Compare rates and coverage options across high-risk and low-risk areas.
加州地震局(CEA)解释
The CEA is the largest residential earthquake insurance provider in the US. Learn about its policies, deductible options, and retrofit discounts.
洪水保险vs地震保险:了解区别
Flood and earthquake insurance are separate policies with different rules. Understand which natural disasters are covered and where gaps exist.
租户地震保险:你需要知道的
Renters can get affordable earthquake insurance for personal property and temporary living expenses. Learn the costs and coverage options.
如何提交地震保险理赔
Filing an earthquake insurance claim requires documentation and patience. Learn the step-by-step process to maximize your claim settlement.
地震保险成本:影响保费的因素
Earthquake insurance premiums range from $100 to $5,000+ annually. Learn what factors determine your cost and how to lower your premium.
房屋所有者保险是否涵盖地震?
Standard homeowners insurance excludes earthquake damage. Learn what's covered, what's not, and why you need a separate earthquake policy.
地震后:应对理赔流程
The earthquake insurance claims process can take months. Learn how to document damage, work with adjusters, and appeal denied claims.
公寓住户的地震防备
Apartment earthquake preparedness has unique challenges. Learn about building assessments, neighbor coordination, and renter-specific strategies.
常见问题解答
震中是地表上位于震源（地震破裂开始处）正上方的点。通常以经纬度坐标报告。最强的震动通常发生在震中附近，但当地土壤条件和断层几何形态可能使最大损害区域发生偏移。
地震仪（地震计）是检测和记录地震波引起的地面运动的仪器。现代宽频带地震仪可以检测到比原子宽度还小的运动。全球地震仪网络使科学家能够在几分钟内确定地震的位置和震级。
P波（纵波）是通过岩石传播最快的压缩波，最先到达地震台站。S波（横波）到达较晚但引起更大的地面震动。P波可以通过固体、液体和气体传播；S波只能通过固体传播。两者之间的时间差有助于确定地震的距离。
震源是地球内部地震破裂开始的点。它由经度、纬度和深度来描述。震源与其正上方地表之间的垂直距离即为地震深度，这对地表感受到的震动强度有很大影响。
地震学是研究地震和地震波在地球内部传播的科学学科。它包括地震检测、定位和特征描述、地球内部结构、地震危险性评估和地震工程。地震学家利用全球地震仪网络的数据来研究这些现象。