Coverage intent
An earthquake deductible applies a separate deductible to earthquake or earth movement loss, often as a percentage or scheduled amount.
Coverage impact
Earthquake deductibles are central to property catastrophe exposure and can vary sharply by state, construction, occupancy, and limit structure.
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Sample form language
A representative form excerpt for this topic, with the form number and edition date shown the way insurance teams usually identify versions.
Selected form
Increased Earthquake Deductible
Form #: HOME113CHUBB 02-19
Chubb National Insurance Company
Homeowners
MT | Oct 14, 2025
This homeowners endorsement replaces the base deductible with a special earthquake deductible.
Special earthquake deductible
Earthquake coverage In lieu of the base deductible, a special [AMOUNT%] earthquake deductible applies to each occurrence caused by earthquake. This deductible applies separately to each coverage amount for your house and other permanent structures at [ADDRESS]. ... If at the time of a covered loss your coverage amount for your house or other permanent structures is increased because of the application of the extended replacement cost payment basis, the dollar amount of the deductible will be based on the increased amounts.
Selected excerpt from this form.
Notable language points
- 01Uses a special deductible instead of the base policy deductible.
- 02Connects the deductible to scheduled coverage amounts.
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