What does elected earthquake coverage protect against?

Click on image for selected historic California earthquake photos.

In the past 10 days, there has been one earthquake of magnitude 3.0 or greater centered nearby.
Earthquack (feat. Sara Jensen)
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Bold : Earthquakes with a magnitude ≥ 4.5 in Euro-med, or ≥ 5.5 in the world


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  • Earthquakes are usually quite brief, but may repeat. They are the result of a sudden release of energy in the . This creates seismic waves, which are waves of energy that travel through the Earth. The study of earthquakes is called .Seismology studies the frequency, type and size of earthquakes over a period of time.

    Most earthquake insurance policies feature a high deductible, which makes this type of insurance useful if the entire home is destroyed, and less useful if the home is merely partially damaged. Rates depend on location and how close you live to known fault lines and the probability of an earthquake, and the stability of the soils in your area and the type of home. Rates are generally less expensive for homes made of wood, which withstand earthquakes better than homes made of brick or stone.

  • Earthquake insurance is a form of property insurance that provides coverage if your home is damaged by an earthquake. Most standard homeowner and renters policies will not cover earthquake damage. Earthquake insurance is usually a separate endorsement you must buy and add to your homeowner or renters policy, or purchase a separate earthquake policy.

    Deductibles: The amount of money you will be responsible to pay without help from insurance is called a “deductible.” With earthquake coverage, your deductible is based on a percentage of your overall policy limit. If the structure of your home is insured to $500,000, the quake insurance deductible will typically amount to 15% of that, or $75,000. Some companies still offer a a lower deductible of 10% of the dwelling or policy limit.

    • 1 Naturally occurring earthquakes
    • 2 Size and frequency of occurrence
    • 3 Effects/impacts of earthquakes
      • 3.1 Shaking and ground rupture
      • 3.2 Landslides and avalanches
      • 3.3 Fires
      • 3.4 Soil liquefaction
      • 3.5 Tsunamis
      • 3.6 Human impacts
    • 4 Preparation for earthquakes
    • 5 Specific fault articles
    • 6 Major earthquakes
      • 6.1 Pre-twentieth entury
      • 6.2 Twentieth century
      • 6.3 Twenty-first century
    • 7 Earthquakes in mythology and religion
    • 8 See also
    • 9 Notes
    • 10 References
    • 11 External links
    • 12 Credits

  • Noun1.earthquake - shaking and vibration at the surface of the earth resulting from underground movement along a fault plane of from volcanic activity
    quake, seism, temblor
    seismic disturbance, shock - an instance of agitation of the earth's crust; "the first shock of the earthquake came shortly after noon while workers were at lunch"
    earth tremor, microseism, tremor - a small earthquake
    seaquake, submarine earthquake - an earthquake at the sea bed
    geological phenomenon - a natural phenomenon involving the structure or composition of the earth
    2.earthquake - a disturbance that is extremely disruptive; "selling the company caused an earthquake among the employees"
    commotion, hoo-ha, hoo-hah, hurly burly, kerfuffle, to-do, disruption, disturbance, flutter - a disorderly outburst or tumult; "they were amazed by the furious disturbance they had caused"

    One of the strongest earthquakes in Canadian history struck the Cascadia subduction zone in British Columbia on January 26, 1700. This mega-thrust earthquake, which made a 1000-kilometre-long crack in the undersea Cascadia thrust fault, generated enormous shaking and a gigantic tsunami. The winter village of Pachena Bay on Vancouver Island was completely swept away without any survivors. Most of the houses in other parts of the island were destroyed. According to the oral traditions of the First Nations people on Vancouver Island, the trembling was so vigorous that people couldn’t stand and became sick.

Rescuing people after the earthquake

A rescue team pulled a man from the rubble of a collapsed building in Kathmandu more than three days after the deadly earthquake hit Nepal. The survivor said he had given up all hope of rescue but kept banging on the rubble, which buried him. (Apr