10-02-2026, 11:05 PM
加州 CEA 地震保險：比較自付額與投保渠道
考慮 CEA 地震保險時，不應只比較年保費。官方把房屋保障、個人物品及暫時無法居住所需的額外生活費分開說明；Standard Homeowners 與 Homeowners Choice 的組合和自付額處理不同，後者可選擇部分保障及獨立的個人物品自付額。
房屋自付額按相關保障限額的百分比計算，不是單一固定金額。部分高保額房屋及未經核實加固的較舊木架房屋，不能選較低的百分比。把報價上的百分比換算成金額，再核對各項限額、例外及保單聲明頁，較能知道自己需要承擔多少。
CEA 透過合作住宅保險公司銷售及服務保單，應先聯絡承保現有住宅保險的合作公司或代理。線上估算不是正式承保承諾；失去使用保障雖沒有自付額，仍受所選限額和條款限制。先弄清選項再購買，不要等地震發生後才假設可以追溯投保。
原刊日期未能確認。查閱日期：2026-10-02。官方資料：https://www.earthquakeauthority.com/california-earthquake-insurance-policies/homeowners/coverages-and-deductibles
English
CEA earthquake insurance in California: comparing deductibles and purchase routes
When considering CEA earthquake insurance, compare more than the annual premium. The official guide distinguishes dwelling protection, personal belongings and additional living expenses when a home cannot be used. Standard Homeowners and Homeowners Choice handle these coverages and deductibles differently; the latter permits selected coverages and a separate personal-property deductible.
A dwelling deductible is a percentage of the relevant coverage limit, not one fixed dollar amount. Lower percentages are unavailable for some higher-value properties and certain older wood-frame homes without a verified retrofit. Convert the quoted percentage into dollars, then review limits, exceptions and the declarations page to understand the potential personal cost.
CEA policies are sold and serviced through participating residential insurers. Start with the participating company or agent handling the existing residential policy. An online estimate is not a binding acceptance. Loss-of-use coverage has no deductible but still has limits and conditions. Understand the choices before purchase rather than expecting coverage to be backdated after an earthquake.
Original publication date not established. Checked October 2, 2026. Official source: https://www.earthquakeauthority.com/cali...eductibles
![[Image: housing.jpg]](https://inl3-media.pages.dev/assets/photos/housing.jpg)
James Gaskell / Pexels · 已授權主題照片，並非文中機構、學校、診所、工作人員或服務使用者實景 / Licensed context photograph; not the named organization, school, clinic, staff or service users. 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 Earthquake Authority
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.
考慮 CEA 地震保險時，不應只比較年保費。官方把房屋保障、個人物品及暫時無法居住所需的額外生活費分開說明；Standard Homeowners 與 Homeowners Choice 的組合和自付額處理不同，後者可選擇部分保障及獨立的個人物品自付額。
房屋自付額按相關保障限額的百分比計算，不是單一固定金額。部分高保額房屋及未經核實加固的較舊木架房屋，不能選較低的百分比。把報價上的百分比換算成金額，再核對各項限額、例外及保單聲明頁，較能知道自己需要承擔多少。
CEA 透過合作住宅保險公司銷售及服務保單，應先聯絡承保現有住宅保險的合作公司或代理。線上估算不是正式承保承諾；失去使用保障雖沒有自付額，仍受所選限額和條款限制。先弄清選項再購買，不要等地震發生後才假設可以追溯投保。
原刊日期未能確認。查閱日期：2026-10-02。官方資料：https://www.earthquakeauthority.com/california-earthquake-insurance-policies/homeowners/coverages-and-deductibles
English
CEA earthquake insurance in California: comparing deductibles and purchase routes
When considering CEA earthquake insurance, compare more than the annual premium. The official guide distinguishes dwelling protection, personal belongings and additional living expenses when a home cannot be used. Standard Homeowners and Homeowners Choice handle these coverages and deductibles differently; the latter permits selected coverages and a separate personal-property deductible.
A dwelling deductible is a percentage of the relevant coverage limit, not one fixed dollar amount. Lower percentages are unavailable for some higher-value properties and certain older wood-frame homes without a verified retrofit. Convert the quoted percentage into dollars, then review limits, exceptions and the declarations page to understand the potential personal cost.
CEA policies are sold and serviced through participating residential insurers. Start with the participating company or agent handling the existing residential policy. An online estimate is not a binding acceptance. Loss-of-use coverage has no deductible but still has limits and conditions. Understand the choices before purchase rather than expecting coverage to be backdated after an earthquake.
Original publication date not established. Checked October 2, 2026. Official source: https://www.earthquakeauthority.com/cali...eductibles
James Gaskell / Pexels · 已授權主題照片，並非文中機構、學校、診所、工作人員或服務使用者實景 / Licensed context photograph; not the named organization, school, clinic, staff or service users. 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 Earthquake Authority
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.