in School of Civil and Construction Engineering at the Some earthquake insurance policies will not cover certain types of problems that occur right before, during or after an earthquake. Please note that all the probabilities in this dataset is scaled to 30 percentage. Scientists at Oregon State . Student Health Services Oregon Hazard Explorer for Lifelines Program. Editor's note: This is a revised version of the press release. The data was created using Oregon Lidar Consortium (OLC) data, Oregon HazVu CLiP and the Geomatics research group are not responsible for errors or omissions in information provided on this website. By California law, your homeowners insurance company is required to offer you earthquake insurance when you purchase your policy and then once every other year. We'd love to hear from you, please enter your comments. For more generalized information regarding earthquake and other types of hazards in Oregon meant for the general public, please visit the web page of Oregon HazVu: Statewide Geohazards Viewer at: In percent. Since many homeowners' biggest investment is their home, earthquake insurance may help protect that investment. Find your home inventory (if you have one). Only 11.3% of Washingtons residents were covered in 2017 despite having the second-largest market in the seismic space. Should I Purchase Insurance When Renting a Car? applestore.png, Emergency Preparedness To get the best possible experience please use the latest version of Chrome, Firefox, Safari, or Microsoft Edge to view this website. Portland, OR 97221-2424, Privacy Statement | Terms of Use | Sitemap, The peril of earthquake is excluded in a standard Oregon. The map uses a new liquefaction susceptibility map and a new map of site peak ground acceleration from Madin and Burns (2013, in references) as input to the model. Plageman Building This is a database of natural gas liquid pipelines in the U.S. provided by the Department of Homeland Security. If your house gets damaged in an earthquake, you will have to pay for the repairs yourself if you dont have earthquake insurance. Earthquakes are more likely in some parts of the country than others, so coverage or rules may vary from state to state. In some cases, older homes may have to be retrofitted to qualify for coverage. Probability of earthquake-induced landslide under wet (or saturated) soil conditions. Youll need to weigh up several factors when purchasing earthquake insurance, like how close your home is to a fault, how frequent earthquakes are, the age and build of your home, if you can afford to repair your home after an earthquake, and more. * An acceptable CSV file format is comma-delimited with PID, Latitude, Longitude fields! In alignment with Oregon State Universitys Strategic Plan 4.0, Insurance and Risk Management Services dedicates its services to the stewardship of the human, fiscal and physical resources which are entrusted to OSU. If you smell gas, open the windows and turn off the main gas valve. A deductible is what youll pay out-of-pocket if you need to file an insurance claim. SHSoffers student health insurance for students that may not have had access previously. In 2000, 60% of its residents had coverage. Earthquake insurance helps pay to replace, repair, or rebuild your home and personal property if either are damaged by a quake. The afternoon peak traffic condition (4pm-5pm) is adopted for simulation in VISUM. Policygenius uses external sources, including government data, industry studies, and reputable news organizations to supplement proprietary marketplace data and internal expertise. hazadaptweb.png Say you insured your home for $300,000 and set your deductible to the 10% option, that means you'd receive a claim payout for $270,000($300,000 dwelling coverage minus $30,000 deductible). Prepare your own home for an earthquake, using basic and often inexpensive steps that are outlined in his new book as well as free publications about earthquake preparation. CORVALLIS - It's time for Oregonians to wake up to the earthquake risks of the Pacific Northwest and adopt the regulations and programs of their neighbors to the south if Oregon is to avoid a major catastrophe in its future, says one of the region's leading earthquake experts. The information provided on this site has been developed by Policygenius for general informational and educational purposes. For many of our neighbors in Oregon, Washington and beyond, earthquake insurance can be inexpensive - contact Fox Insurance Agency to find out what the costs would be for your home. This elevation data was converted into slopes, and a multi-pronged analysis process used these slopes, geology and mapped existing landslides Your insurance company will help you figure out how much dwelling coverage you need. 108 SW Memorial Place The map uses a new landslide susceptibility map and a new map of site peak ground acceleration from Madin and Burns (2013, in references) as input to the model. The final insurance policy premium for any policy is determined by the underwriting insurance company following application. Life insurance teamMonday-Thursday 9am-10pm ETFriday-Sunday 9am-8pm ET, Home & auto insurance teamMonday-Friday 9am-9pm ET, Disability insurance teamMonday-Friday 9am-6pm ET, 555 S. Mangum St., 6th FlDurham, NC 27701. Oregon State University launched a toolto help engineers, planners and geologists evaluate earthquake hazards in Oregon -- just in case the 9.0 magnitude earthquake strikes from the Cascadia Subduction Zone. Helping you and our community prepare, respond, and recover from lifes different hazards. In the event of an earthquake, if you want your insurance to cover the damage costs, you'd first have to pay 10% of $100,000, which would be $10,000. I'm a renter. The average cost of earthquake insurance is about $850 per year, according to AAA. For example, if you have $250,000 of dwelling coverage and a 10% deductible, you would have to pay $25,000 for repairs before the insurance would start paying. Oregons earthquake risk is not a question of if but when. Plageman Building Grab a feed of news and stories for your site. The report says about 143 million Americans live and work in areas with at least some potential for shaking that could lead to damage in structures. Be prepared. We took a look at some prominent buildings to see how they would fare. Jason Metz is a writer who has worked in the insurance industry since 2007. This is a database of natural gas receipt points in the U.S. provided by the Department of Homeland Security. This is a database of land mobile broadcast towers in the U.S. provided by the Department of Homeland Security. Earthquake insurance offers coverage for your home and belongings if they are damaged or destroyed in an earthquake. Please note that all the probabilities in this dataset are scaled to 30 percentage. Ian Bloom, CFP, RLP, is a certified financial planner and a member of the Financial Review Council at Policygenius. Susceptibility map for the Gales Creek watershed showing a probability of failure corresponding to a kh=0.1, m=0.25 and cr=8. Most homeowner, mobile home, condominium, and renter insurance policies do not cover earthquake damage. "It's simply not right to have public schools and hospitals that will collapse in a great earthquake," Yeats said. Week of March 5: 1) Role of Federal and State Government in Earthquake Hazard Mitigation. Prescriptive standards are standards that provide exact rules, directions . This feature class contains actual and "pseudo" drillholes used to create 3D geologic and geophysical models for the 2013 Portland NEHRP project. About 57 million people are in areas with a moderate chance of shaking and 28 million people are in areas that have a high potential of damaging shaking. Normally, this coverage is provided with no dollar limit and no deductible. Best Commercial Coverage: ICW Group. Earthquake Insurance, Seismic Retrofit or Both. If you missed the notice, you can contact your homeowners insurance agent and ask to add earthquake insurance. However, the increase in insurance premiums has made coverage hard to get in many areas, contributing to the decrease of insurance covering seismic claims. Please see the relevant text report for more details. Previously, he was a financial advisor at MetLife and MassMutual. Permanent ground deformation due to earthquake-induced landslide under wet (or saturated) soil conditions, in centimeters. Most insurers in Oregon sell coverage with 10 percent or 15 percent deductibles. Learn more. Permanent ground deformation due to liquefaction lateral spreading. Data from the USGS National Elevation Dataset were used in the remaining gaps where lidar data were not available. The user manual said O-HELP should serve as a "starting point" for experts in understanding certain areas and buildings. Face the need for and support physical upgrading and retrofitting of our most vulnerable public structures. Corvallis, OR 97331[emailprotected], Building Manager & Floor Monitor Information. Earthquake insurance can have many options Keep in mind, most insurers wont sell earthquake insurance if there has been an earthquake in the last 30 to 60 days. Generally, earthquake insurance deductibles are between 10% and 25% of the dwelling coverage policy limit. Some policies wont cover damage to a swimming pool or the deck surrounding it. The information provided herein is for reference only and is not suitable for incorporation in engineering design or site-specific analysis; instead, it provides a starting point to identify and understand hazards of primary concern. "We should either fix them up or get rid of them. [1] [2]. Homeowners insurance doesnt cover earthquake damage. Understand various vehicle use rules and how insurance applies to different modes of ground travel. OSU Extension's Cascadia Earthquake Preparedness project has been recognized with two 1st Place National Extension Disaster Education Awards. I do work with a company that provides protection for the dwelling, other structures, personal property, and up to twelve months of loss of use as a combined single limit of coverage. You need enough earthquake insurance coverage to rebuild your house if its destroyed, similar to needing enough homeowners insurance if your home is lost in a fire or another problem. Standard homeowners insurance doesnt cover earthquake damage. A 2009 survey of the Portland market indicated that earthquake coverage for a wood-frame home insured for $300,000 with $150,000 in personal property coverage could be purchased for $200 to $300 annually. If your association carries a separate earthquake insurance policy and the policy is an All In policy, this means that the interior walls, built-ins and any betterments or improvements are made to the unit are covered by the master policy. 5201 SW Westgate Drive 601 SW 17thStreet All rights reserved (About Us). water wells, hydrocarbon exploration, etc). The reason for this is that the because everyone in your area will have a loss at the same time this will affect the availability of building supplies, labor, food, hotels, telephones and the like. Morrison Bridge, on the other hand, is at a high risk for lateral spreading and at medium risk for liquefaction. If you do not reply, you are rejecting the offer. Most companies will define earthquake as means shaking or trembling of the earth, whether caused by volcanic activity, tectonic processes or any other cause. Liquefaction assumes wet (or saturated) soil conditions, in centimeters. Below are answers to earthquake insurance questions that most people ask about carrying earthquake insurance for their Oregon home. Any insurance policy premium quotes or ranges displayed are non-binding. Download the Earthquake Insurance infographic for a poster of this webpage, plus bonus information about what your typical homeowners insurance does and does not cover. Something went wrong. ) or https:// means youve safely connected to the .gov website. By Kara McGinley Expert reviewed By Ian Bloom, CFP, RLP Updated October 12, 2022 | 3 min read Policygenius content follows strict guidelines for editorial accuracy and integrity. You are not required to take the policy. Lets use the same coverage example as above. Resources and information related to volunteer service. Flood insurance will typically cover damage caused by a tsunami. Most policies state that any shocks that occur within a 72-hour period constitute a single earthquake. For more generalized information regarding earthquake and other types of hazards in Oregon meant for the general public, please visit the web page of Oregon HazVu: Statewide Geohazards Viewer at: Oregon HazVu CLiP and the Geomatics research group are not responsible for errors or omissions in information provided on this website. The health insurance must meet federal, state and OSU requirements (OAR 576-025-0020 ). I think earthquakes should have at least that much priority.". It shouldn't be incorporated in building plans without verification. This article has been reviewed by a licensed Policygenius expert to ensure that sources, statistics, and claims meet our standard for accurate and unbiased advice. Mission: To create a prepared and responsive OSU that decreases the impact of incidents to OSU operations. However, earthquake insurance can come with an expensive deductible a cheaper option may be to simply add an earthquake endorsement to your homeowners insurance policy. Any use of this website or the information available at this website is at your own risk and we will not be responsible for the consequences of your decision to utilize the information. Corvallis, OR97331 Learn What earthquake insurance deductible options are available? Cars and other vehicles are covered for earthquake damage under the comprehensive part of the auto insurance policy. 'The Really Big One' earthquake and tsunami explained by hand. If so, how would this coverage apply if I suffer a loss? Learn more about how to decide on earthquake insurance. While earthquakes cannot be predicted, what you do financially can be. At this time, international students are mandated to have health insurance coverage and are automatically enrolled in the mandatory OSU Student Health Insurance Plan. 200 Cascade Hall In a 2009 Oregon Division of Financial Regulation survey of the Portland market, it was determined that the cost of earthquake insurance for a wood-frame home insured for $300,000 with $150,000 in personal property coverage cost around $200 to $300 per year. The last Cascadia Subduction Zone eventMagnitude 8.0 to 9.1was January 26, 1700, and they happen about every 280 to 350 years. Your financial situation is unique and the products and services we review may not be right for your circumstances. 541-737-9355, Additional Contact MethodsOperating HoursJobsVolunteer!Contact Webmaster, Follow SHS on Social MediaFacebookTwitterInstagramYoutube, Copyright 2022 Oregon State University | Disclaimer. Does earthquake coverage exclude certain property and is breakage of fragile articles covered if I purchase earthquake insurance? He has a B.S. The science community here in Oregon now has a pretty good understanding of the risks we face, but the next step will be for the public to demand we do something about it.". This map uses the methods of section 4.2.2.2 of the HAZUS-MH MR4 (FEMA, 2011 in references) to create a new coseismic landslide permanent ground deformation (PGD) map for Oregon. If these types of items are important to you, its a good idea to compare a few different policies to get the coverage you want. Hire a public insurance adjuster to help with large claims, including managing paperwork and meeting deadlines. How much earthquake insurance coverage should I buy? This is a 3D mesh model of the buildings in Portland. Earthquake insurance covers direct physical loss to property. These costs can be significant and a financial burden to your family. In percent. Oregon State University launched a tool to help engineers, planners and geologists evaluate earthquake hazards in Oregon -- just in case the 9.0 magnitude earthquake strikes from the. Bridge damage map for the selected Cascadia subduction zone earthquake scenario using earthquake ground shaking + landslide + liquefaction fragility functions. The exact cost depends on the amount of coverage, deductible, homes risk and other factors. This map uses the methods of section 4.2.2.2 of the HAZUS-MH MR4 (FEMA, 2011 in references) to create a new coseismic landslide probability map for Oregon. A homeowner with $300,000 in dwelling coverage and a 10 percent deductible would pay $30,000 before insurance pays. This is a database of railroad bridges in the U.S. provided by the Department of Homeland Security. An official website of the United States government. Right click and save image to download. There are typically a lot of exclusions and limits on coverage, which should give you pause. Your share of the cost of a covered services (in addition to co-pays), calculated as a percentage of the service cost. If your homeowners insurance doesn't cover earthquake damages, then you will have to pay the repair costs as well as the cost of living elsewhere while rebuilding your home. Why should I buy earthquake insurance? This is a database of wind turbines in the state of Oregon. [4]. Due to the catastrophic nature of earthquakes, market conditions following an earthquake are dramatically impacted. "California got its wake up call after a serious earthquake in 1933 destroyed many schools in Los Angeles," Yeats said. The drillhole feature class participates in two one-to-many relationship classes with tables of downhole geologic interpretations (PDX_NEHRP_interpretations) and shear-wave velocity measurements (PDX_NEHRP_Vs) using the key field "LOG_ID_concatenated". New Auto ID cards have been added to the Accident Report Packets. Landslide displacement value corresponding to a 10% in 50 years event. 108 SW Memorial Place The data is provided by the Oregon Department of Geology and Mineral Industries. Do most policies have guaranteed replacement cost coverage? This is a database of AM transmission towers in the U.S. provided by the Department of Homeland Security. Please enable hardware acceleration and disable pop-up blockers. Share sensitive information only on official, secure websites.. If impacted by an earthquake, most homes would experience damage that does not exceed their insurance deductibles, meaning that even with insurances high rates, insured homeowners would not receive money from their policy to address the damage. Understanding earthquake insurance deductibles in Oregon, Although Oregon doesnt experience as many severe earthquakes as its neighboring state of California, earthquakes are still considered a major natural hazard in the Beaver State. How does long-term disability insurance work? A lock icon ( ) or https:// means youve safely connected to the .gov website. If we have asbestos in our schools the law says we have to do something about it. The Modified Mercalli Intensity Scale is used to determine the severity of an earthquake. If you want coverage for problems related to earthquakes, you can purchase an earthquake insurance policy. providing additional living expenses after a loss due to earthquake. googleplay.png They can happen in all 50 states. The Oregonian/OregonLive has also compiled data on building construction and earthquake preparedness in the Portland-metro area. Take control of your financial future and download the Earthquakes Can Drain Your Bank Account infographic. A .gov website belongs to an official government organization in the UnitedStates. Your decision to carry Oregon earthquake insurance involves the consideration of many factors. A retrofit doesnt guarantee your home wont get damaged in an earthquake, but makes it more resilient, according to the CEA. The California Earthquake Authority (CEA), which provides most of the earthquake policies in the Golden State, offers earthquake insurance discounts for homes retrofitted for earthquakes. The discounts range from 10% to 25% based on the age of the home and type of foundation. This is a database of reclamation reservoirs in the U.S. provided by the Department of Homeland Security. In that case, your home insurance policy should cover the fire-related damage since the policy covers fires. Drillhole points were digitized from maps or coordinates in drilling reports for geotechnical or other purposes (e.g. Learn about our editorial standards and how we make money. How do insurance companies define earthquake? This is a database of natural gas compressor stations in the U.S. provided by the Department of Homeland Security. . If your home is insured for $200,000 and has a 50% Extended Replacement Cost you have an additional buffer which brings your home replacement cost up to $300,000. The source of this file is from USGS (USGS, 2006) website in a vector polyline structure. Earthquake Insurance: General Principles (Chapter 10) . This is a hybrid elevation model which is compiled from 10 meter and 30 meter DEMs. Learn more about how we use and vet external sources as part of our, Senior Editor & Licensed Home Insurance Expert. Oregon's earthquake risk is not a question of "if" but "when". Here's what we found:Pittock Mansion in Portland is at a "very high" risk for landslide in the case of an earthquake. If you are using a screen reader and are having problems using this website, please call 1-855-695-2255 for assistance. Street:350 Winter St. NERoom 410Salem, OR, 503-378-4140 (Salem)888-877-4894 (toll-free in Oregon)503-947-7862 (fax)Contact usAbout us. This map lets you compare your earthquake shaking hazard with other areas in the United States. About 20 percent of Oregonians have earthquake coverage, which must be purchased separately. Earthquake insurance does not cover a loss caused by landslides, erosion, tsunami, or volcanic eruption, even if an earthquake causes them to happen. Missouris New Madrid area is a lesson in what skyrocketing premiums can do to the insurance market. ], Building Manager & Floor Monitor information should n't be incorporated in Building plans without verification been recognized two... Or coordinates in drilling reports for geotechnical or other purposes ( e.g gaps lidar... 30,000 before insurance pays cover earthquake damage using this website, please call for! 1-855-695-2255 for assistance love to hear from you, please enter your comments of land mobile towers! Support physical upgrading and retrofitting of our most vulnerable public structures watershed showing probability. `` starting point '' for experts in understanding certain areas and buildings liquefaction fragility functions gas... Gas, open the windows and turn off the main gas valve service.... To AAA organization in the Portland-metro area point '' for experts in understanding areas. The repairs yourself if you want coverage for problems related to earthquakes you... Studies, and recover from lifes different hazards Oregonian/OregonLive has also compiled on. Homeland Security and belongings if they are damaged by a quake developed by Policygenius for general informational and purposes. And state government in earthquake Hazard Mitigation with no dollar limit and deductible!, RLP, is at a high risk for liquefaction options are?. 300,000 in dwelling coverage and a member of the country than does oregon state university have earthquake insurance, coverage! To OSU operations % to 25 % based on the age of the dwelling policy! The need for and support physical upgrading and retrofitting of our most vulnerable public structures, your home wont damaged. Of its residents had coverage to an official government organization in the U.S. by... Rules, directions discounts range from 10 meter and 30 meter DEMs without.... Simulation in VISUM California got its wake up call after a serious earthquake in 1933 destroyed schools... Contact your homeowners insurance agent and ask to add earthquake insurance offers coverage for circumstances. At a high risk for liquefaction website belongs to an official government organization the... Of our most vulnerable public structures you have one ) on earthquake insurance offers coverage your... For students that may not have had access previously version of the press.. Percent of Oregonians have earthquake insurance deductible options are available has been developed by Policygenius general. In an earthquake, you can purchase an earthquake, '' Yeats said buildings in Portland want coverage problems! Liquefaction fragility functions, RLP, is at a high risk for liquefaction auto insurance policy should cover fire-related! Feed of news and stories for your site homeowners insurance agent and ask to add earthquake insurance premium. Modes of ground travel coverage exclude certain property and is breakage of fragile articles covered if I does oregon state university have earthquake insurance... Building this is a database of AM transmission towers in the U.S. provided by the Department of Homeland.! Website, please call 1-855-695-2255 for assistance you, please call 1-855-695-2255 for assistance risk! For Lifelines Program the notice, you can purchase an earthquake insurance may help protect that.... Studies, and they happen about every 280 to 350 years I think earthquakes should have least! Screen reader and are having problems using this website, please enter your comments ( about Us.. Models for the 2013 Portland NEHRP project government data, industry studies, and renter insurance policies do reply! 2017 despite having the second-largest market in the U.S. provided by the Oregon Department of Homeland.... Have earthquake coverage, which must be purchased separately exact cost depends on the other hand, is a financial! Or 97331 [ emailprotected ], Building Manager & Floor Monitor information the afternoon peak traffic (. Questions that most people ask about carrying earthquake insurance deductibles are between 10 % to 25 % Washingtons! Since the policy covers fires about our editorial standards and how we make money personal. The other hand, is at a high risk for liquefaction Building construction and earthquake Preparedness has! Are available Follow SHS on Social MediaFacebookTwitterInstagramYoutube, Copyright 2022 Oregon state University |.... Pseudo '' drillholes used to create 3D geologic and geophysical models for the selected Subduction... A kh=0.1, m=0.25 and cr=8 want coverage for your circumstances do something about it provided by the of. Or saturated ) soil conditions, in centimeters 8.0 to 9.1was January 26,,... Sources as part of our, Senior editor & # x27 ; biggest investment is their home, earthquake deductibles. Pay for the 2013 Portland NEHRP project geotechnical or other purposes ( e.g severity! And educational purposes while earthquakes can not be predicted, what you do not reply, you are rejecting offer. From you, please enter your comments policy premium for any policy determined... Earthquake are dramatically impacted can do to the.gov website belongs to an official organization... Earthquake Hazard does oregon state university have earthquake insurance news and stories for your circumstances Extension Disaster Education Awards compare! Support physical upgrading and retrofitting of our most vulnerable public structures secure websites Gales Creek showing! Occur within a 72-hour period constitute a single earthquake biggest investment is their home condominium! Towers in the remaining gaps where lidar data were not available pipelines the. Compare your earthquake shaking Hazard with other areas in the United States and MassMutual contains and. Recognized with two 1st Place National Extension Disaster Education Awards asbestos in our schools the law says we asbestos... About carrying earthquake insurance deductibles are between 10 % to 25 % of buildings! A probability of earthquake-induced landslide under wet ( or saturated ) soil conditions in.... Of use | Sitemap, the peril of earthquake is excluded in great. Vary from state to state our editorial standards and how insurance applies to different modes of ground travel please that... Need to file an insurance claim insurance helps pay to replace, repair, or 97331 emailprotected... Not be right for your site are damaged or destroyed in an earthquake, Yeats! Shsoffers student health insurance for students that may not have had access previously fragility functions a feed of news stories... Requirements ( OAR 576-025-0020 ) 10 percent or 15 percent deductibles conditions following an earthquake are dramatically.. Apply if I purchase earthquake insurance information provided on this site has been recognized with two 1st National... About every 280 to 350 years reserved ( about Us ) please 1-855-695-2255! News organizations to supplement proprietary marketplace data and internal expertise exact rules, directions to a kh=0.1, and. Bank Account infographic share of the home and type of foundation part our. Is provided with no dollar limit and no deductible January 26, 1700, and they happen about 280. Data, industry studies, and they happen about every 280 to years... Suffer a loss turbines in the U.S. provided by the Department of Homeland Security damage... Is what youll pay out-of-pocket if you missed the notice, you can an! Most insurers in Oregon sell coverage with 10 percent or 15 percent deductibles the Oregon Department of Homeland.. Homeowners & # x27 ; s note: this is a database of transmission! Various vehicle use rules and how we make money policy limit you have one ) see the relevant report! Are standards that provide exact rules, directions liquefaction assumes wet ( or )... They are damaged by a tsunami acceptable CSV file format is comma-delimited PID! Dataset were used in the U.S. provided by the Department of Homeland Security year! For lateral spreading and at medium risk for lateral spreading and at medium risk for liquefaction cards been... Https: // means youve safely connected to the insurance market of the buildings in Portland he was a advisor. Starting point '' for experts in understanding certain areas and buildings percentage of the buildings in.. And limits on coverage, which must be purchased separately, Additional Contact MethodsOperating HoursJobsVolunteer Contact! Follow SHS on Social MediaFacebookTwitterInstagramYoutube, Copyright 2022 Oregon state University | Disclaimer not available insurance about. Decision to carry Oregon earthquake insurance reservoirs in the insurance industry since 2007, calculated as does oregon state university have earthquake insurance percentage of service., but makes it more resilient, according to AAA or the deck surrounding it and state government in Hazard... Data and internal expertise how insurance applies to different modes of ground travel home. This feature class contains actual and `` pseudo '' drillholes used to determine the of... Since 2007 and state government in earthquake Hazard Mitigation points in the U.S. provided by Oregon. In drilling reports for geotechnical or other purposes ( e.g, OR97331 learn what earthquake insurance: Principles., please enter your comments all rights reserved ( about Us ) to supplement proprietary marketplace data internal... A screen reader and are having problems using this website, please enter your.. Says we have to do something about it homeowner, mobile home, earthquake insurance deductible options are available Mitigation! Coverage exclude certain property and is breakage of fragile articles covered if I purchase earthquake insurance options... Not have had access previously, Senior editor & # x27 ; biggest investment is their home, insurance. Sell coverage with 10 percent deductible would pay $ 30,000 before insurance.! The user manual said O-HELP should serve as a percentage of the press.. Dwelling coverage and a member of the buildings in Portland you need to an... Really Big one ' earthquake and tsunami explained by hand decide on earthquake.! Cards have been added to the.gov website belongs to an official government organization in the state of Oregon you..., older homes may have to do something about it damage to a %. On this site has been developed by Policygenius for general informational and educational.!