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Earthquakes can cause a great deal of damage to your home and financially devastate a family.

Earthquake damage is excluded under standard homeowners policies. However, special insurance is available. Earthquake Insurance is usually written as an additional coverage to a homeowners or another property insurance policy.

Normally, separate deductibles are applied to losses involving your home and other buildings and contents or personal belongings. Deductibles can range from 10 to 25 percent of the amount covered. This means that a policy covering a house for $100,000 and contents for $70,000 with a 10 percent deductible, requires the policyholder to pay for the first $10,000 of damage to the house and the first $2,500 of damage to contents.

Premiums vary by company. Consider shopping around to get the best price and most affordable deductible.

Learn how to prepare and survive an earthquake.