What is my deductible with earthquake insurance?
Typically, earthquake insurance is going to have a separate deductible option from your “primary” deductible. The deductible will usually be a percentage of your building coverage. For example, if your business is covered for $175,000 and you have a 5% deductible, the deductible for the earthquake coverage is $8,750.
As mentioned, different areas, seismic activity, fault lines, and your desired coverage amounts will affect your deductible and premiums.