How does the deductible in the earthquake insurance endorsement different than property coverage form?

Your standard home policy usually has a set deductible such as $500, $1,000 or $2,500. These are the most common I have seen.

The earthquake deductible is usually a percentage of the total coverage such as 5%, 10%, 15%, 20% or 25%. These are the options I usually see. The deductible is a percentage of the total dwelling coverage. If you have a dwelling coverage limit on the earthquake policy of $200,000 and a 10% deductible, your deductible would be $20,000. There is a company called GeoVera that writes a separate policy for earthquake and offers up two different policies. A comprehensive and standard policy. With the comprehensive policy, they wrap all the coverages up into one lump sum and then apply the deductible to that amount. With the standard policy, there is a set amount for the dwelling coverage and then minimal coverage for the other categories such as contents coverage and loss of use.

You may want to call the agent that writes your current home insurance policy to see what option they have available.