Studies on the effect of earthquake insurance, been considered at a time? the need for earthquake insurance

When in 1 years 2 times, January 17th (the Kobe earthquake) with September 1st (Kanto large earthquake disaster) it becomes time, earthquake insurance climbs in topic.Feeling necessity the time, it will try thinking to do concerning tend earthquake insurance unintentionally that way.

As for earthquake insurance with fire insurance being something which compensates the damage due to the fire damage loss and the like by the earthquake eruption tidal wave which is not compensated, the necessity made feel keenly even with the Kobe earthquake.If as for earthquake insurance the case which has been attached to fire insurance principlly is many, at the time of application of insurance does not do sealing that in the verification column, “does not desire earthquake insurance”, it is the expectation which has entered into earthquake insurance.
But, as for joining ratio of n/a end of the month the fact that 15.4% (property and casualty insurance tariff computation meeting to inspect,) it is no more than is present condition.

When damage is sustained with earthquake, the earthquake insurance money is as follows paid.
When amount of damage of the building principal structural part (base and pillar, wall and roof etc), 50% or more of current price of that building or, the deck area of the part which it burns & is washed away is 70% or more of the architectural area, insurance money payment in full is paid.
When amount of damage of the principal structure division, under 20% – 50% of current price of that building or, the deck area of the part which it burns & is washed away, under 20% – 70% of the architectural area of that building being
amount of insurance50%will be paid.
amount of the major structural damage, in the market value of the building3%~20%when less than the, amount of insurance5%not be paid only.
damage is different for certified goods.

earthquake insurance premiums, nationwide in japan as shown in the table below4divided into one class, depending on the structure of the building further2divided into classes, fu has been determined that the premium or will it cost per thousand yen amount of insurance.
heisei13years10wooden house from may (C-Drates) earthquake insurance rates will be revised
scheduled, in the wooden house in tokyo, building1500million yen household goods750the earthquake insurance of ten thousand yen
burden of insurance premiums for the year if you have subscribed96,750yen<(15,000+7,500)×4.30>from79,875yen<(15,000+7,500)×3.55>will be reduced to.
looking at the terms of payment of insurance money, many think that everyone would be to rebuild the home is not enough and very. but, when it was hit by earthquake if the, losing their jobs also been forced to shutdown the company was working, might be a situation where they also burnt down house. moreover, there is a possibility that everyone will live in areas where a similar situation, i can not afford that others are worried about the actual situation will. at such time, maybe that earthquake insurance is it only me a helping hand.
if you have earthquake insurance, reconstruction of the home even if you can not, to become food for daily life to regain quickly from temporary housing there is no doubt.
look once again being considered for the benefit of earthquake insurance or how would.