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Topic: Earthquake insurance

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	Earthquake insurance - Wikipedia, the free encyclopedia
		Earthquake insurance is a form of property insurance that pays the policyholder in the event of an earthquake that causes damage to the property.
		Most earthquake insurance policies feature a high deductible, which makes this type of insurance useful if the entire home is destroyed, but not useful if the home is merely damaged.
		As with flood insurance or insurance on damage from a hurricane or other large-scale disasters, insurance companies must be careful when assigning this type of insurance, because an earthquake strong enough to destroy one home will probably destroy dozens of homes in the same area.
	en.wikipedia.org /wiki/Earthquake_insurance (477 words)

	Earthquake insurance -- Facts, Info, and Encyclopedia article (Site not responding. Last check: 2007-10-08)
		Most earthquake insurance policies feature a high ((taxes) an amount that can be deducted (especially for the purposes of calculating income tax)) deductible, which makes this type of insurance useful if the entire home is destroyed, but not useful if the home is merely damaged.
		The state of California specifically states that it does not back up CEA earthquake insurance, in the event that claims from a major earthquake were to drain all CEA funds.
		Homeowners may buy earthquake insurance from an insurance company, usually as an optional rider to a (Insurance against loss due to fire) fire insurance policy.
	www.absoluteastronomy.com /encyclopedia/e/ea/earthquake_insurance.htm (405 words)

	Should I Buy Earthquake Insurance - The Nevada Seismological Laboratory
		Earthquakes are a different type of disaster from fire, auto, or life coverage.
		Earthquake insurance has not always been readily available, and the earthquake hazard of the region has been underrated.
		Earthquakes with magnitude less than about 6.5 are not very likely to break the surface.
	www.seismo.unr.edu /htdocs/eqinsurance.html (1972 words)

	Insbuyer.com Home Insurance. Compare auto and home insurance quotes, 200 companies, life insurance quotes, instant term ...
		The most intelligent approach to considering earthquake insurance, as with other kinds of insurance, is to buy coverage only when the lack of it will create a financial burden.
		The damage caused by a minor earthquake can be borne without insurance coverage, but the potential damage from a major earthquake would far exceed 10% of most individuals liquid assets.
		Earthquake insurance is very specific coverage and understanding the details of your policy is very important.
	www.insbuyer.com /earthquakeinsurance.htm (237 words)

	ABCO: Earthquake Insurance
		He proposed a state-run earthquake insurance company, and after a legislative battle, the California Earthquake Authority was formed.
		State surveys show that the percentage of homeowners that purchased earthquake insurance dropped from 32% to 20% after the CEA was offered.
		The insurance companies that did not join the CEA still offer their own earthquake insurance with varying coverage and rates.
	www.alliedbrokers.com /earthquake2.html (501 words)

	III - Earthquakes: Risk and Insurance Issues
		An earthquake is a sudden and rapid shaking of the earth caused by the breaking and shifting of rock beneath the earth’s surface.
		The cost of earthquake insurance is calculated on “per $1,000 basis.” For instance, a frame house in the Pacific Northwest might cost between one to three dollars per $1,000 worth of coverage, while it may cost less than fifty cents per $1,000 on the East coast.
		Earthquake Risk in the Western United States: Although the entire Northwest of the United States is at high risk of earthquakes, nine of the most costly earthquakes in the last century occurred in California.
	www.iii.org /media/hottopics/insurance/earthquake (4175 words)

	Earthquake insurance (Site not responding. Last check: 2007-10-08)
		earthquake berkeley earthquake california earthquake insurance house insurance louisville insurance homeowners insurance mailhandlers insurance homeowner insurance holiday insurance helth insurance malpractice insurance marine insurance
		The Severt Insurance Agency Information on comprehensive earthquake insurance coverage for California home and business owners.
		Wintemute Insurance Agency Serving all of Southern California for auto, homeowner's, earthquake, commercial, and life insurance.
	www.serebella.com /encyclopedia/article-Earthquake_insurance.html (731 words)

	Insure.com Car Insurance - Official site. Compare auto insurance quotes, 200 companies, instant term life insurance ... (Site not responding. Last check: 2007-10-08)
		Even in California, where earthquake fears are a daily fact of life, less than 15 percent of homeowners have earthquake insurance according to the California Earthquake Authority (CEA), down from 30 percent in 1996 when the state legislature created the California Earthquake Authority.
		Earthquake insurance rates are determined differently by each insurance company and can vary widely depending on several factors.
		Because earthquake insurance is a type of catastrophic coverage, most policies carry a high deductible —; usually anywhere from 10 to 15 percent of your coverage limit.
	www.insure.com /home/quake.html (844 words)

	Berkeley Parents Network: Earthquake Insurance
		The insurance is not cheap and there is no guarantee that we will get money if there is an earthquake.
		Second, IF you decide to get insurance, consider that you are insuring against complete loss; that means if the damage is only partial, probably the cost of the insurance will outweigh the risk.
		All earthquake insurance is provided by the State of California but you purchase it via whatever your insurance company you end up going with.
	parents.berkeley.edu /recommend/insurance/earthquake.html (743 words)

	Washington Insurance Council
		Earthquakes can cause a great deal of damage to your home and personal possessions and, at its worst, financially devastate a family.
		Earthquake is excluded as a peril under most homeowners policies.
		Earthquake insurance is usually written as an additional coverage to a homeowners or another property insurance policy.
	www.wiconline.org /in_eart.htm (142 words)

	The Standard Democrat (Site not responding. Last check: 2007-10-08)
		The availability of earthquake coverage has become an issue in some regions of the New Madrid Fault, however, local insurance agents indicate that shouldn’t be a problem in the area.
		Last week’s earthquake in Blytheville reached a magnitude of 3.7, while an earthquake in Eastern Turkey on Thursday had a magnitude of 6.4 and an earthquake with a magnitude of 3.9 rattled Virginia Monday.
		Bryant said she encourages anyone who doesn’t have earthquake coverage to check with their insurance agent because it is available.
	news.mywebpal.com /partners/865/public/news455177.html (606 words)

	Earthquake Insurance (Site not responding. Last check: 2007-10-08)
		The coverage is limited to direct damage caused by an earthquake and excludes a loss resulting from another peril even if it is triggered by the earthquake, such as a fire, explosion, flood or tidal wave.
		A form of earthquake coverage that is extended to include landslide, mudflow, earth sinking, earth rising or shifting, and volcanic eruption.
		In an earthquake, the percolation of subsurface water through unconsolidated soils such as sand, gravel, or silt, or the changing of unconsolidated soils into an unstable form to the point where it acts as a liquid and causes ground failure.
	www.harperrisk.com /Library/Earthquake.htm (854 words)

	Earthquake Insurance - Flood Insurance
		Earthquake insurance is an insurance coverage for damage of property caused by an earthquake of both volcanic and seismic origins.
		According to the Federal Insurance Administration (FIA), only 25% of the homes in the vulnerable areas are insured against floods although flood insurance is relatively inexpensive compared to other forms of insurance.
		Insurance against flood can be purchased from most insurance agents and the US government backs this policy.
	www.einsurequotes.com /earthquake-ins.html (1007 words)

	USATODAY.com - Many states altering rules on insurance (Site not responding. Last check: 2007-10-08)
		Hurricane Andrew in 1992 and the Northridge earthquake in 1994 were two watershed natural disasters that prompted significant changes in homeowners' insurance.
		The changes in insurance policies and rate increases are credited with enabling the industry to remain stable after 2004's four hurricanes.
		Studying whether insurance is needed to protect state and local governments if the casinos and hotels suffer catastrophic losses that interrupt $300 million in annual tax revenue.
	www.usatoday.com /news/nation/2004-12-09-hurricanes-insurance_x.htm (683 words)

	California Earthquake Insurance
		The earthquake in India earlier this year caused thousands of fatalities and resulted in $5 billion worth of damage, only $250 million of which was insured.
		However, in California, where earthquake fears are a daily fact of life, only 17 percent of homeowners, and 20 to 25 percent of people in all types of housing, have earthquake insurance, according to the California Earthquake Authority.
		Commercial earthquake insurance is sold in an open market that is subject to less regulation.
	www.asaib.com /CA_Earthquake_Insurance.htm (982 words)

	Earthquake Insurance and the California Earthquake Authority (Site not responding. Last check: 2007-10-08)
		The California Earthquake Authority was formed because insurance companies refused to sell fire or earthquake policies in the state of California after suffering staggering losses in the 1994 Northridge Earthquake.
		Once this was done, private insurance companies felt safe to reenter the California market with fire insurance, but consumers were forced to buy the CEA earthquake policy from them or have no earthquake insurance at all.
		These companies offer earthquake insurance at reduced rates to those homeowners who are in low-risk areas and therefore are the least likely to suffer severe losses.
	www.bayarearetrofit.com /Earthquake_Insurance/earthquake_insurance.html (1700 words)

	Tegner Miller Earthquake Insurance
		Earthquake insurance is NOT provided in the typical homeowners policy.
		On average there are more than 800,000 earthquakes [in the United States]...A severe earthquake, with a magnitude of greater than 8.0, can be expected every eight to ten years.
		A magnitude 8.0 earthquake would release over thirty times more energy than the 1994 Northridge earthquake that killed 57 people and caused $20 billion in damage.
	www.tmib.com /Personal/earthquake_overview.html (361 words)

	Facts About Earthquake Insurance
		Although an earthquake is the first thing that comes to mind when someone mentions earth movement, this very broad category also includes landslide, mudslide, mudflow, sinkhole or any other movement that involves the sinking, rising or shifting of earth.
		Insurance Commissioner Mike Kreidler advises consumers to consider their own circumstances and needs when deciding if earthquake insurance is a good buy.
		Broken glass on the floor accounts for many of the injuries suffered in the aftermath of an earthquake, and glass-filled carpet is hazardous long after the danger posed by the quake has passed.
	www.insurance.wa.gov /factsheets/factsheet_detail.asp?FctShtRcdNum=20 (939 words)

	Earthquake insurance
		insurance that pays the policyholder in the event of an earthquake that causes damage to the property.
		deductible, which makes this type of insurance useful if the entire home is destroyed, but not useful if the home is merely damaged.
		hurricane or other large-scale disasters, insurance companies must be careful when assigning this type of insurance, because an earthquake strong enough to destroy one home will probably destroy dozens of homes in the same area.
	www.equakeinsurance.com /insurance/earthquake_insurance.htm (563 words)

	Earthquake insurance, flood insurance, hurricane insurance from RLI
		Earthquake insurance, flood insurance, hurricane insurance from RLI
		Earthquake and flood (difference in conditions) policies provide coverage beyond that normally provided by standard fire policies.
		RLI’s earthquake and flood (difference in conditions) policies are available in all fifty states, with wholesale brokers located throughout the United States.
	www.rlicorp.com /Products/dic.asp (378 words)

	dental, dental insurance, dental plan
		A monthly premium is paid by the client and/or the employer to an insurance company, which then reimburses the dental office (dentist) for the services rendered.
		An insurance company usually pays between 50% - 80% of the dental office (dentist) fees for a covered procedures; the remaining 20% - 50% is paid by the client.
		This is a self-funded benefit plan — not insurance — in which an employer pays for dental care with its own funds, rather than paying premiums to an insurance company or third-party administrator.
	www.insurancecompany.com /comleq.html (1251 words)

	Insurance Journal - Property Casualty Insurance News
		Dean Kruger, the South Carolina Insurance Department's chief expert on risks and rates was asked to resign this week after he criticized the National Council on Compensation...
		An insurance company has been ordered to pay punitive damages of more than $5.1 million to a couple who said they were underpaid on their claim for a home destroyed during the...
		Spokesmen for France's insurance industry have indicated that it will speed up claims processing in order to pay for damages to vehicles and property resulting from the urban...
	www.insurancejournal.com (835 words)

	AAA : California Earthquake Insurance (Site not responding. Last check: 2007-10-08)
		Today, the CEA is the largest residential earthquake insurance organization in the world.
		Earthquake insurance for renters can insure personal possessions and can provide tenants with options if they are forced from their home by an earthquake.
		Many condominium owners who have earthquake insurance enjoy peace of mind knowing their unique needs are addressed.
	www.csaa.com /global/articledetail/0,8055,1005000000%257C2617,00.html (538 words)

	Earthquake Insurance (Site not responding. Last check: 2007-10-08)
		October 17, 1999 marked the 10th anniversary of the of the 1989 Loma Prieta Earthquake, the worst calamity to hit the San Francisco Bay Area since 1906.
		The recent devastating earthquake in Pakistan, as well as minor tremors in and around San Francisco provide all too frequent reminders of the damage an earthquake can do.
		Earthquake insurance is not included in a homeowners policy.
	www.mikkelseninsurance.com /earthquake.html (292 words)

	earthquake insurance in turkey (Site not responding. Last check: 2007-10-08)
		Go to significant earthquake archives Bingol, Turkey Earthquake, May 01, 2003 EQNET has compiled a list of resources to provide information on the May 01, 2003, Turkey...
		The Earthquake of November 12, 1999 in Turkey.
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	www.spbrtc.ru /earthquake_insurance_in_turkey.html (292 words)

	earth quake insurance - insurance earthquake california information homeowners residential washington authority ... (Site not responding. Last check: 2007-10-08)
		earthquake insurance: Information From Answers.comearthquake insurance Earthquake insurance is a form of property insurance that pays the policyholder in the event of an earthquake that causes damage.
		All earthquake insurance is provided by the State of California but you purchase it via whatever your insurance...
		Earthquake insurance can be expensive here, ranging from $1 to $3 per thousand...
	www.bt-finance.net /earth-quake-insurance.htm (1094 words)

	EDITORIAL -- Flawed Science Mars Earthquake Insurance
		BAY AREA homeowners were not surprised by a judge's recent ruling that the California Earthquake Authority (CEA) charges too much for earthquake insurance and premiums are discriminatory and based on flawed science.
		Unfortunately, state Insurance Commissioner Chuck Quackenbush, whose job is to protect consumer interests, says he is ``inclined to not adopt'' the judge's recommendation to recompute rates using up-to-date scientific formulas.
		Currently earthquake insurance is so expensive and coverage so stingy that many homeowners are discouraged from buying it at all, adding to the potential economic catastrophe when the next big shaker hits California.
	www.sfgate.com /cgi-bin/article.cgi?file=/chronicle/archive/1998/02/25/ED86733.DTL (397 words)

	Earthquake Insurance Quotes Finder and Information
		Something to keep in mind about this insurance is that a traditional homeowners insurance policy doesn't include coverage for earthquakes.
		In general, typical earthquake insurance covers the expenses that come with repair/replacement of damaged property.
		If/when you decide to purchase earthquake insurance, obtain enough coverage to shield the costs of a complete rebuild, in addition to your lost/damaged possessions.
	www.insurancefinder.com /homeinsurance/earthquakeinsurance.html (294 words)

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