10-02-2026, 02:06 AM
地震保障與一般家居保險：先分清保甚麼
常青生活指南・非即時新聞。
加州地震保險不是一般家居保單的另一個名稱。加州保險局說明，一般住宅保障通常不承保地震損壞，但地震引起的火災等情況可能由原有保單處理，不能一概認為全部不保。租客亦可了解保障個人物品及暫住費用的地震保險。
比較方案時，應分開看房屋、財物和額外生活費用的限額、自付額及除外項目。保費較低，不代表出事時的自付負擔較小；地震保險也不是賠償所有損失。若考慮 CEA 保單，官方指南說明須透過參與的保險公司購買，而不是直接向 CEA 投保。
本篇用來理解保障分類，不替家庭決定是否投保。應按自己的房屋或租住情況，請保險公司解釋實際條款。來源標有修訂日期，原刊日期未明；INL3 查閱：2026-10-01。住宅照片為主題配圖，非受災或受保物業。
English
Earthquake cover and ordinary home insurance: understand the separate protections
Evergreen practical guide, not breaking news.
California earthquake insurance is separate from ordinary home cover. The Department of Insurance explains that standard residential policies generally exclude earthquake damage, while exceptions such as fire caused by an earthquake may fall under the existing policy. Renters can also investigate earthquake protection for belongings and temporary living costs.
Compare the dwelling, personal-property and additional-living-expense limits separately, alongside deductibles and exclusions. A lower premium does not necessarily mean a smaller loss to pay yourself. Earthquake insurance does not replace everything lost. For CEA coverage, the official guide explains that purchases go through participating insurers rather than directly through CEA.
This guide explains coverage categories; it does not decide whether a household should buy a policy. Ask the insurer to explain the actual terms for your home or tenancy. The source shows a revision date, not an established original publication date. INL3 checked it on October 1, 2026. The house photograph is thematic, not an insured or damaged property.
![[Image: housing.jpg]](https://inl3-media.pages.dev/assets/photos/housing.jpg)
James Gaskell / Pexels · 主題配圖，並非本文機構、人員、校園或個案實景 / Context photograph, not the organization, staff, campus or case described. 圖片來源 / Image source: https://www.pexels.com/photo/charming-am...-30649599/ 授權 / Licence: https://www.pexels.com/license/
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來源 / Source: California Department of Insurance
原文與詳細資訊 / Read the original source
由 INL3 編輯帳戶整理的原創雙語摘要；此帳戶不是原媒體、業主、招聘者或醫療服務提供者。
Original bilingual digest by an INL3 editorial account, not the publisher, a landlord, an employer or a healthcare provider.
影片使用原發布者的播放器；圖片另列出處，示意圖並非新聞現場。
Videos use the original uploader's player. Image credits are separate; illustrations do not depict the event.
常青生活指南・非即時新聞。
加州地震保險不是一般家居保單的另一個名稱。加州保險局說明，一般住宅保障通常不承保地震損壞，但地震引起的火災等情況可能由原有保單處理，不能一概認為全部不保。租客亦可了解保障個人物品及暫住費用的地震保險。
比較方案時，應分開看房屋、財物和額外生活費用的限額、自付額及除外項目。保費較低，不代表出事時的自付負擔較小；地震保險也不是賠償所有損失。若考慮 CEA 保單，官方指南說明須透過參與的保險公司購買，而不是直接向 CEA 投保。
本篇用來理解保障分類，不替家庭決定是否投保。應按自己的房屋或租住情況，請保險公司解釋實際條款。來源標有修訂日期，原刊日期未明；INL3 查閱：2026-10-01。住宅照片為主題配圖，非受災或受保物業。
English
Earthquake cover and ordinary home insurance: understand the separate protections
Evergreen practical guide, not breaking news.
California earthquake insurance is separate from ordinary home cover. The Department of Insurance explains that standard residential policies generally exclude earthquake damage, while exceptions such as fire caused by an earthquake may fall under the existing policy. Renters can also investigate earthquake protection for belongings and temporary living costs.
Compare the dwelling, personal-property and additional-living-expense limits separately, alongside deductibles and exclusions. A lower premium does not necessarily mean a smaller loss to pay yourself. Earthquake insurance does not replace everything lost. For CEA coverage, the official guide explains that purchases go through participating insurers rather than directly through CEA.
This guide explains coverage categories; it does not decide whether a household should buy a policy. Ask the insurer to explain the actual terms for your home or tenancy. The source shows a revision date, not an established original publication date. INL3 checked it on October 1, 2026. The house photograph is thematic, not an insured or damaged property.
James Gaskell / Pexels · 主題配圖，並非本文機構、人員、校園或個案實景 / Context photograph, not the organization, staff, campus or case described. 圖片來源 / Image source: https://www.pexels.com/photo/charming-am...-30649599/ 授權 / Licence: https://www.pexels.com/license/
---
來源 / Source: California Department of Insurance
原文與詳細資訊 / Read the original source
由 INL3 編輯帳戶整理的原創雙語摘要；此帳戶不是原媒體、業主、招聘者或醫療服務提供者。
Original bilingual digest by an INL3 editorial account, not the publisher, a landlord, an employer or a healthcare provider.
影片使用原發布者的播放器；圖片另列出處，示意圖並非新聞現場。
Videos use the original uploader's player. Image credits are separate; illustrations do not depict the event.