{"id":2957,"date":"2014-03-11T21:56:34","date_gmt":"2014-03-12T05:56:34","guid":{"rendered":"http:\/\/smartandresponsible.com\/blog\/?p=2957"},"modified":"2014-02-28T22:09:12","modified_gmt":"2014-03-01T06:09:12","slug":"quake-insurance","status":"publish","type":"post","link":"https:\/\/smartandresponsible.com\/blog\/quake-insurance\/","title":{"rendered":"\u5730\u9707\u4fdd\u967a\u3063\u3066\u8cb7\u3046\u3001\u8cb7\u308f\u306a\u3044\uff1f\u3000"},"content":{"rendered":"<p>\u4eca\u65e5\u306f\u5730\u9707\u4fdd\u967a\u306e\u304a\u8a71\u3002\u6211\u304c\u5bb6\u306f\u30ab\u30ea\u30d5\u30a9\u30eb\u30cb\u30a2\u306b\u4f4f\u3093\u3067\u3044\u307e\u3059\u306e\u3067\u3001\u5730\u9707\u306f\u300c\u3059\u3050\u305d\u3053\u306b\u3042\u308b\u5371\u967a\u300d\u3067\u3059\u3002\u3067\u3082\u5b9f\u969b\u3001\u30a2\u30e1\u30ea\u30ab\u306e\u3069\u306e\u5dde\u3067\u3082\u5730\u9707\u306f\u3042\u308a\u3048\u308b\u3093\u3067\u3059\u306d\u3002\u30aa\u30af\u30e9\u30db\u30de\u3084\u30d0\u30fc\u30b8\u30cb\u30a2\u3001\u30b3\u30ed\u30e9\u30c9\u3067\u3082\u5730\u9707\u304c\u3042\u308a\u307e\u3057\u305f\u3002\u6628\u590f\u306b\u5bb6\u3092\u8cb7\u3063\u305f\u306e\u3067\u3001\u305d\u308d\u305d\u308d\u307b\u304a\u3063\u3066\u7f6e\u3044\u305f\u5730\u9707\u4fdd\u967a\u306e\u554f\u984c\u3001\u4eca\u65e5\u306f\u771f\u5263\u306b\u8003\u3048\u3066\u307f\u305f\u3044\u3068\u601d\u3044\u307e\u3059\u3002<\/p>\n<p>&nbsp;<\/p>\n<h2>\u5730\u9707\u4fdd\u967a\u306e\u30d9\u30fc\u30b7\u30c3\u30af<\/h2>\n<p>&nbsp;<\/p>\n<ul>\n<li>\u5730\u9707\u306e\u30c0\u30e1\u30fc\u30b8\u306fHomeowner\u2019s Insurance(\u6301\u3061\u5bb6\u4fdd\u967a)\u3067\u306f\u30ab\u30d0\u30fc\u3055\u308c\u306a\u3044\u3000\uff1a\u3000\u5730\u9707\u306e\u30c0\u30e1\u30fc\u30b8\u306f\u6d2a\u6c34\u306b\u3088\u308b\u30c0\u30e1\u30fc\u30b8\u540c\u69d8\u3001\u3075\u3064\u3046\u306e\u6301\u3061\u5bb6\u4fdd\u967a\u3067\u306f\u30ab\u30d0\u30fc\u3055\u308c\u307e\u305b\u3093\u3002\u305f\u3060\u3057\u3001\u4e8c\u6b21\u707d\u5bb3\u3068\u3057\u3066\u306e\u5bb6\u4e8b\u3084\u6c34\u5bb3\uff08\u6c34\u9053\u7ba1\u7834\u88c2\u306a\u3069\uff09\u306f\u901a\u5e38\u3001\u6301\u3061\u5bb6\u4fdd\u967a\u3067\u30ab\u30d0\u30fc\u3055\u308c\u307e\u3059\u3002<\/li>\n<\/ul>\n<ul>\n<li>\u5730\u9707\u4fdd\u967a\u306fDeductible\u304c\u9ad8\u3044\u3000\uff1a\u3000\u81ea\u52d5\u8eca\u4fdd\u967a\u3001\u6301\u3061\u5bb6\u4fdd\u967a\u306a\u3069\u306eDeductible\u306f$500\u3068\u304b$2,500\u3068\u304b\u3044\u3046\u30ec\u30d9\u30eb\u3067\u3059\u304c\u3001\u5730\u9707\u4fdd\u967a\u306b\u306a\u308b\u3068\u3001\u30ab\u30ea\u30d5\u30a9\u30eb\u30cb\u30a2\u306e\u5834\u5408\u3067\u306f\u5bb6\u306e\u4fa1\u683c\u306e10\uff05\u300115\uff05\u306a\u3069\u3068\u3044\u3046\u30ec\u30d9\u30eb\u306b\u8df3\u306d\u4e0a\u304c\u308a\u307e\u3059\u3002$300,000\u306e\u5bb6\u306a\u3089\u3001$30,000\uff5e$45,000\u307e\u3067\u306e\u88ab\u5bb3\u306f\u81ea\u5206\u3082\u3061\u3001\u305d\u308c\u4ee5\u964d\u4fdd\u967a\u304c\u30ab\u30d0\u30fc\u3068\u3044\u3046\u3088\u3046\u306a\u304b\u3093\u3058\u3002<\/li>\n<\/ul>\n<ul>\n<li>\u5bb6\u8ca1\u30fb\u79c1\u8ca1\u3078\u306e\u88dc\u511f\u306f\u6bd4\u8f03\u7684\u4f4e\u3044\u4e0a\u9650\u3042\u308a\u3000\uff1a\u3000\u6301\u3061\u5bb6\u4fdd\u967a\u3067\u306f\u5bb6\u306e\u4fa1\u5024\u306e50\uff05\u304b\u308970\uff05\u3068\u3044\u3046\u3088\u3046\u306b\u3001\u5bb6\u306e\u4fa1\u5024\u306b\u5fdc\u3058\u3066\u88dc\u511f\u984d\u304c\u4e0a\u304c\u3063\u3066\u3044\u304d\u307e\u3059\u304c\u3001\u5730\u9707\u4fdd\u967a\u3067\u306f$5,000\u3068\u304b$10,000\u3001\u591a\u304f\u3066$100,000\u307b\u3069\u306e\u56fa\u5b9a\u4e0a\u9650\u304c\u8a2d\u5b9a\u3057\u3066\u3042\u308a\u307e\u3059\u3002<\/li>\n<\/ul>\n<ul>\n<li>\u9664\u5916\u9805\u76ee\u3042\u308a\u3000\uff1a\u3000\u5ead\u3001\u30d7\u30fc\u30eb\u3001\u30d5\u30a7\u30f3\u30b9\u3001\u5bb6\u4ee5\u5916\u306e\u5efa\u7269\u306a\u3069\u306f\u901a\u5e38\u9664\u5916\u3055\u308c\u307e\u3059\u3002<\/li>\n<\/ul>\n<ul>\n<li>Loss-of-use\u3000\uff1a\u3000\u5730\u9707\u306e\u88ab\u5bb3\u306b\u3088\u308a\u5bb6\u3092\u4f7f\u3048\u306a\u304f\u306a\u3063\u305f\u5834\u5408\u3001\u4e00\u6642\u7684\u306b\u4ed6\u306b\u4f4f\u3080\u306a\u3069\u306e\u8cbb\u7528\u304c\u304b\u304b\u3063\u305f\u5834\u5408\u3082\u3001\u5bb6\u8ca1\u30fb\u79c1\u8ca1\u306e\u3068\u304d\u3068\u540c\u69d8\u3001$1,500\uff5e$25,000\u307b\u3069\u306e\u56fa\u5b9a\u4e0a\u9650\u304c\u8a2d\u5b9a\u3055\u308c\u307e\u3059\u3002<\/li>\n<\/ul>\n<ul>\n<li>\u4fdd\u967a\u6599\u3000\uff1a\u3000\u65ad\u5c64\u304b\u3089\u9060\u3044\u3088\u308a\u8fd1\u3044\u5bb6\u3001\u65b0\u3057\u3044\u5bb6\u3088\u308a\u53e4\u3044\u5bb6\u3001\u6728\u9020\u3088\u308a\u308c\u3093\u304c\u3065\u304f\u308a\u306e\u5bb6\u3001\u5ca9\u5730\u3088\u308a\u7802\u5730\u306e\u5bb6\u3001\u4e00\u968e\u5efa\u3066\u3088\u308a\u4e8c\u968e\u5efa\u3066\u306e\u5bb6\u306e\u307b\u3046\u304c\u4fdd\u967a\u6599\u306f\u9ad8\u304f\u306a\u308a\u307e\u3059\u3002\u30ab\u30ea\u30d5\u30a9\u30eb\u30cb\u30a2\u306e\u65b9\u3067\u3057\u305f\u3089\u3001<a href=\"http:\/\/ww.earthquakeauthority.com\/CEARateForm.aspx?id=3&amp;pid=3\"  target=\"_blank\"><span style=\"font-size: medium;\">\u3053\u3061\u3089\u3067\u4fdd\u967a\u6599\u304c\u898b\u7a4d\u3082\u308c\u307e\u3059<\/span><\/a>\u3002\u4e0b\u8a18\u306f$475,000\u306e\u5bb6\uff08\u6301\u3061\u5bb6\u4fdd\u967a\u3067\u639b\u3051\u3066\u3044\u308b\u5bb6\u306e\u4fa1\u683c\u3092\u4f7f\u3044\u307e\u3059\uff09\u306e\u5834\u5408\u3001Deductible\u306e\u9078\u629e\u306b\u3088\u308a\u3001\u5e74\u9593\u4fdd\u967a\u6599\u304c$1,149\uff5e$1,531\u306e\u7bc4\u56f2\u3067\u898b\u7a4d\u3082\u3089\u308c\u3066\u3044\u308b\u4f8b\u3067\u3059\u3002<\/li>\n<\/ul>\n<p style=\"text-align: center;\">\u00a0<a href=\"https:\/\/i0.wp.com\/smartandresponsible.com\/blog\/wp-content\/uploads\/2014\/02\/earthquake-insurance.gif?ssl=1\" ><img data-recalc-dims=\"1\" loading=\"lazy\" decoding=\"async\" class=\"aligncenter  wp-image-2959\" alt=\"earthquake insurance\" src=\"https:\/\/i0.wp.com\/smartandresponsible.com\/blog\/wp-content\/uploads\/2014\/02\/earthquake-insurance.gif?resize=498%2C420&#038;ssl=1\" width=\"498\" height=\"420\" \/><\/a><\/p>\n<h2>\u8cb7\u3046\u304b\u8cb7\u308f\u306a\u3044\u304b<\/h2>\n<p>\u5730\u9707\u4fdd\u967a\u306f\u5e83\u304f\u6d78\u900f\u3057\u305f\u4fdd\u967a\u3067\u306f\u3042\u308a\u307e\u305b\u3093\u3002\u5730\u9707\u306e\u5371\u967a\u306e\u9ad8\u3044\u30ab\u30ea\u30d5\u30a9\u30eb\u30cb\u30a2\u3067\u3055\u3048\u3001\u5730\u9707\u4fdd\u967a\u3092\u8cfc\u5165\u3057\u3066\u3044\u308b\u4e16\u5e2f\u306f20\uff05\u4ee5\u4e0b\u3067\u3059\u3002\u8cb7\u3063\u305f\u307b\u3046\u304c\u3044\u3044\u304b\u3001\u8cb7\u308f\u306a\u304f\u3066\u3082\u3044\u3044\u304b\u306f\u3001\u305d\u308c\u305e\u308c\u306e\u5bb6\u5ead\u306e\u72b6\u6cc1\u306b\u5fdc\u3058\u3066\u6c7a\u3081\u308b\u3053\u3068\u3067\u3001\u4e00\u6982\u306b\u3069\u3061\u3089\u304c\u3044\u3044\u3068\u306f\u8a00\u3048\u307e\u305b\u3093\u304c\u3001\u4ee5\u4e0b\u3067\u306f\u3001\u8cb7\u308f\u306a\u3044\u6d3e\u3068\u8cb7\u3046\u6d3e\u306b\u5206\u3051\u3066\u5224\u65ad\u57fa\u6e96\u3092\u6d17\u3044\u51fa\u3057\u3066\u307f\u307e\u3059\u3002<\/p>\n<p>&nbsp;<\/p>\n<h2>\u8cb7\u308f\u306a\u3044\u6d3e<\/h2>\n<h3>\u88dc\u511f\u304c\u53d7\u3051\u306b\u304f\u3044<\/h3>\n<p>\u5730\u9707\u306b\u3088\u308b\u5bb6\u5c4b\u3078\u306e\u30c0\u30e1\u30fc\u30b8\u306f\u3001\u65b0\u3057\u3044\u5efa\u7bc9\u30b3\u30fc\u30c9\u306b\u306e\u3063\u3068\u308a\u8010\u9707\u69cb\u9020\u3067\u3064\u304f\u3089\u308c\u305f\u5bb6\u3067\u3042\u308c\u3070\u3001\u591a\u304f\u306e\u5834\u5408\u90e8\u5206\u7834\u58ca\u3067\u3042\u308a\u3001\u706b\u4e8b\u306e\u3088\u3046\u306a\u5168\u7834\u58ca\u306b\u306f\u306a\u308a\u306b\u304f\u3044\u50be\u5411\u304c\u3042\u308b\u3068\u3044\u3048\u307e\u3059\u3002\u6bd4\u8f03\u7684\u53e4\u3044\u5bb6\u3067\u3042\u308c\u3070\u3001\u6696\u7089\u306e\u7159\u7a81\u3001\u308c\u3093\u304c\u306e\u58c1\u306a\u3069\u69cb\u9020\u4e0a\u5f31\u3044\u90e8\u5206\u304c\u5d29\u308c\u843d\u3061\u305f\u308a\u3001\u30d5\u30a1\u30a6\u30f3\u30c7\u30fc\u30b7\u30e7\u30f3\u304c\u56fa\u5b9a\u3055\u308c\u3066\u3044\u306a\u3044\uff08unbolted foundation\uff09\u305f\u3081\u306b\u3001\u4e80\u88c2\u3084\u7834\u58ca\u304c\u8d77\u3053\u308b\u53ef\u80fd\u6027\u306f\u9ad8\u3044\u3067\u3059\u304c\u3001\u5168\u5bb6\u5c4b\u304c\u5d29\u308c\u53bb\u308b\u3068\u3044\u3046\u4e8b\u614b\u306f\u6bd4\u8f03\u7684\u5c11\u306a\u3044\u304b\u3082\u3057\u308c\u307e\u305b\u3093\u3002<\/p>\n<p>\u5730\u9707\u306b\u3088\u308b\u5168\u58ca\u3068\u3044\u3046\u3088\u308a\u306f\u3001\u5730\u9707\u306e\u5834\u5408\u591a\u3044\u88ab\u5bb3\u306f\u706b\u4e8b\u3067\u3059\u3002\u30ac\u30b9\u3082\u308c\u306b\u5f15\u706b\u3057\u3066\u306e\u706b\u4e8b\u304c\u5927\u304d\u306a\u88ab\u5bb3\u3092\u5f15\u304d\u8d77\u3053\u3057\u305f\u308a\u3057\u307e\u3059\u3002\u307e\u305f\u3001\u5730\u9707\u306b\u3088\u308a\u6c34\u9053\u7ba1\u304c\u7834\u88c2\u3057\u3066\u6c34\u5bb3\u304c\u5f15\u304d\u8d77\u3053\u3055\u308c\u308b\u5834\u5408\u3082\u3042\u308a\u307e\u3059\u3002\u3053\u308c\u3089\u306e\u88ab\u5bb3\u306f\u3001\u305f\u3068\u3048\u5730\u9707\u304c\u539f\u56e0\u3067\u3042\u3063\u3066\u3082\u901a\u5e38\u3001\u6301\u3061\u5bb6\u4fdd\u967a\u3067\u30ab\u30d0\u30fc\u3055\u308c\u307e\u3059\u3002<\/p>\n<p>\u5b9f\u969b\u3001\u6301\u3061\u5bb6\u4fdd\u967a\u3067\u306e\u706b\u707d\u306b\u3088\u308b\u5bb6\u5c4b\u5168\u713c\u306e\u4fdd\u967a\u7533\u8acb\u30af\u30ec\u30fc\u30e0\u306f\u3088\u304f\u3042\u308b\u3088\u3046\u3067\u3059\u304c\u3001\u5730\u9707\u4fdd\u967a\u3067\u306e\u5168\u58ca\u306e\u4fdd\u967a\u7533\u8acb\u306f\u3001\u904e\u53bb\u306e\u5730\u9707\u3092\u307f\u3066\u3082\u6bd4\u8f03\u7684\u307e\u308c\u306e\u3088\u3046\u3067\u3059\u30021989\u5e74\u306eLoma Prieta\u5730\u9707\u306e\u3068\u304d\u306f\u3001\u7d0445,000\u4ef6\u306e\u4fdd\u967a\u7533\u8acb\u304c\u3042\u308a\u30011\u4ef6\u3042\u305f\u308a\u306e\u5e73\u5747\u7533\u8acb\u984d\u306f$18,000\uff5e$36,000\u307b\u3069\uff08\u30a4\u30f3\u30d5\u30ec\u8abf\u6574\u5f8c\u306e2013\u5e74\u76f8\u5f53\u984d\uff09\u3060\u3063\u305f\u305d\u3046\u3067\u3001\u5bb6\u306e\u5024\u6bb5\u3088\u308a\u306f\u305a\u3044\u3076\u3093\u3068\u5c0f\u3055\u3044\u3082\u306e\u3067\u3059\u30021994\u5e74\u306eNorthridge\u5730\u9707\u3067\u306f195,000\u4ef6\u306e\u4fdd\u967a\u7533\u8acb\u304c\u3042\u308a\u3001\u5e73\u5747\u7533\u8acb\u984d\u306f$60,000\uff08\u540c\u69d8\u306b2013\u5e74\u76f8\u5f53\u984d\uff09\u307b\u3069\u3067\u3001\u3084\u306f\u308a\u5bb6\u306e\u5024\u6bb5\u3088\u308a\u306f\u5c0f\u3055\u3044\u3068\u3044\u3048\u307e\u3059\u3002<\/p>\n<p>\u3072\u3068\u3064\u9762\u767d\u3044\u30b5\u30a4\u30c8\u3092\u3054\u7d39\u4ecb\u3057\u307e\u3057\u3087\u3046\u3002<a href=\"file:\/\/\/C:\/Users\/iwasaki\/Documents\/smart&amp;amp;responsible\/blog\/response\" >\u3053\u3061\u3089\u306e\u30b5\u30a4\u30c8<\/a>\u3067\u306f\u81ea\u5206\u306e\u4f4f\u6240\u3068\u5bb6\u306b\u3064\u3044\u3066\u306e\u30c7\u30fc\u30bf\u3092\u5165\u529b\u3057\u3001\u60f3\u5b9a\u3055\u308c\u308b\u5730\u9707\u306e\u9707\u6e90\u5730\u3068\u30de\u30b0\u30cb\u30c1\u30e5\u30fc\u30c9\u306e\u5927\u304d\u3055\u3092\u9078\u629e\u3057\u3066\u3001\u3069\u306e\u304f\u3089\u3044\u306e\u88ab\u5bb3\u3092\u88ab\u308b\u304b\u306b\u3064\u3044\u3066\u30b7\u30e5\u30df\u30ec\u30fc\u30b7\u30e7\u30f3\u3059\u308b\u3053\u3068\u304c\u3067\u304d\u307e\u3059\u3002\u6211\u304c\u5bb6\u306e\u4f8b\u3060\u3068\u3001\u30b5\u30f3\u30d9\u30eb\u30c7\u30a3\u30ca\u30f3\u30c9\u30678.0\u306e\u5730\u9707\u304c\u8d77\u304d\u308b\u3068$70,000\u306e\u88ab\u5bb3\u3001\u30ed\u30b5\u30f3\u30bc\u30eb\u30b9\u30678.0\u306e\u5730\u9707\u304c\u8d77\u304d\u308b\u3068$121,000\u306e\u88ab\u5bb3\u3068\u3044\u3046\u3053\u3068\u3067\u3057\u305f\u3002\u3053\u306e\u30b5\u30a4\u30c8\u3069\u306e\u304f\u3089\u3044\u4fe1\u6191\u6027\u304c\u3042\u308b\u304b\u306f\u305c\u3093\u305c\u3093\u77e5\u308a\u307e\u305b\u3093\u306e\u3067\u3042\u3057\u304b\u3089\u305a\u3002\u3068\u308a\u3042\u3048\u305aUC Davis\u306eProfessor\u304c\u4f5c\u3063\u305f\u3089\u3057\u3044\u306e\u3067\u3001\u307e\u3063\u305f\u304f\u306e\u3080\u3061\u3083\u304f\u3061\u3083\u3068\u3044\u3046\u308f\u3051\u3067\u306f\u306a\u3044\u304b\u3082\u3057\u308c\u307e\u305b\u3093\u304c\u3002\u3002<\/p>\n<p style=\"text-align: center;\"><a href=\"https:\/\/i0.wp.com\/smartandresponsible.com\/blog\/wp-content\/uploads\/2014\/02\/earthquake-damage-estimator.gif?ssl=1\" ><img data-recalc-dims=\"1\" loading=\"lazy\" decoding=\"async\" class=\"aligncenter  wp-image-2958\" alt=\"earthquake damage estimator\" src=\"https:\/\/i0.wp.com\/smartandresponsible.com\/blog\/wp-content\/uploads\/2014\/02\/earthquake-damage-estimator.gif?resize=435%2C404&#038;ssl=1\" width=\"435\" height=\"404\" \/><\/a><\/p>\n<p>\u305d\u3046\u3053\u3046\u8003\u3048\u3066\u304f\u308b\u3068\u3001\u304b\u306a\u308a\u5927\u304d\u306a\u5730\u9707\u304c\u8d77\u304d\u3066\u3082\u3001\u5bb6\u3078\u306e\u30c0\u30e1\u30fc\u30b8\u306f\u5bb6\u306e\u4fa1\u5024\u306b\u6bd4\u3079\u3066\u6570\u5206\u306e\u4e00\u3068\u3044\u3046\u30ec\u30d9\u30eb\u306a\u306e\u3067\u306f\u306a\u3044\u304b\u30fb\u30fb\u30fb\u3068\u8003\u3048\u3089\u308c\u308b\u304b\u3082\u3057\u308c\u307e\u305b\u3093\u3002\u524d\u8ff0\u306e\u3068\u304a\u308a\u5730\u9707\u4fdd\u967a\u306eDeductible\u306f\u9ad8\u304f\u300110\uff05\uff5e15\uff05\u306e\u30ec\u30d9\u30eb\u3067\u3059\u3002$300,000\u306e\u5bb6\u3067$30,000\uff5e$45,000\u3001$500,000\u306e\u5bb6\u3067\uff0450,000\uff5e$75,000\u307e\u3067\u306f\u81ea\u5df1\u8ca0\u62c5\u3002\u305d\u308c\u3092\u8d85\u3048\u305f\u88ab\u5bb3\u3067\u3084\u3063\u3068\u4fdd\u967a\u306e\u30ab\u30d0\u30fc\u304c\u3042\u308b\u3068\u3044\u3046\u3053\u3068\u3067\u3059\u3002\u5c11\u306a\u304f\u3068\u3082\u4e0a\u306e\u3075\u305f\u3064\u306e\u904e\u53bb\u306e\u5730\u9707\u306e\u4f8b\u3092\u898b\u308b\u9650\u308a\u3001\u9ad8\u3044\u4fdd\u967a\u6599\u3092\u6255\u3063\u3066\u3082\u307b\u3068\u3093\u3069\u88dc\u511f\u3092\u53d7\u3051\u3089\u308c\u306a\u3044\u3068\u3044\u3046\u53ef\u80fd\u6027\u3082\u5927\u3044\u306b\u3042\u308a\u304b\u3082\u3057\u308c\u307e\u305b\u3093\u3002<\/p>\n<p>&nbsp;<\/p>\n<h3>CEA\u306e\u8ca1\u6e90\u304c\u5fc3\u914d<\/h3>\n<p>\u30ab\u30ea\u30d5\u30a9\u30eb\u30cb\u30a2\u306e\u5834\u5408\u306f\u3001California Earthquake 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big to fail\u3067\u30d5\u30a7\u30c7\u30e9\u30eb\u30fb\u30de\u30cd\u30fc\u304c\u3064\u304e\u8fbc\u307e\u308c\u308b\u304b\u3082\u3057\u308c\u306a\u3044\u3057(!?)\u3002\u3002<\/p>\n<p>\u3046\uff5e\u3093\u3001\u4e00\u822c\u5e02\u6c11\u306e\u79c1\u306b\u3068\u3063\u3066\u306f\u30d3\u30df\u30e7\u30fc\u306a\u9078\u629e\u3067\u3059\u304c\u3001\u3067\u3082\u30ab\u30ea\u30d5\u30a9\u30eb\u30cb\u30a2\u3067\u5730\u9707\u4fdd\u967a\u3092\u8cb7\u3046\u3068\u3044\u3048\u3070\u3001CEA\u3057\u304b\u306a\u3044\u304b\u3089\u3001\u8cb7\u3046\u306e\u306a\u3089\u3068\u308a\u3042\u3048\u305a\u4fe1\u3058\u308b\u3057\u304b\u306a\u3044\u3068\u3044\u3046\u3068\u3053\u308d\u3067\u3057\u3087\u3046\u304b\u3002\u3002<\/p>\n<p>&nbsp;<\/p>\n<p>\u3055\u3066\u3001\u3042\u306a\u305f\u306f\u3069\u3061\u3089\u6d3e\u3067\u3059\u304b\u3002\u8cb7\u3046\u306b\u3057\u308d\u3001\u8cb7\u308f\u306a\u3044\u306b\u3057\u308d\u3001\u7d0d\u5f97\u3057\u3066\u6c7a\u3081\u305f\u3053\u3068\u306a\u3089\u3070\u305d\u308c\u3067\u5fc3\u306e\u5e73\u5b89\u3082\u3042\u308b\u3068\u3044\u3046\u3082\u306e\u3002<\/p>\n<p>\u6211\u304c\u5bb6\u306f\u3069\u3046\u3057\u307e\u3057\u3087\u3046\u3002\u5c11\u3057\u3070\u304b\u308a\u8cb7\u3046\u307b\u3046\u306b\u5fc3\u304c\u50be\u3044\u3066\u3044\u307e\u3059\u3002\u3069\u3093\u306a\u306b\u8010\u9707\u69cb\u9020\u306b\u3057\u3066\u3082\u3001\u8d85\u6700\u5927\u7d1a\u306e\u5730\u9707\u304c\u304f\u308c\u3070\u5bb6\u306f\u5d29\u308c\u308b\u3067\u3057\u3087\u3046\u3002\u305d\u3082\u305d\u3082\u4fdd\u967a\u306f\u4e07\u304c\u4e00\u306e\u305f\u3081\u3082\u306e\u3068\u5272\u308a\u5207\u308a\u3001Deductible\u3092\u5f15\u304d\u4e0a\u3052\u3001\u4e07\u304c\u4e00\u306e\u3068\u304d\u306e\u88ab\u5bb3\u306b\u3060\u3051\u7279\u5316\u3057\u3066\u30ab\u30d0\u30fc\u3059\u308c\u3070\u3001\u6211\u304c\u5bb6\u306e\u5834\u5408\u306a\u3089\u4fdd\u967a\u6599$1,149\u30c9\u30eb\u3002\u6c7a\u3057\u3066\u624b\u304c\u51fa\u306a\u3044\u307b\u3069\u306e\u984d\u3067\u306f\u3042\u308a\u307e\u305b\u3093\u3002\u8cb7\u3063\u3066\u304a\u3053\u3046\u304b\u306a\uff5e\uff08\u3068\u3044\u3063\u3066\u3001\u4f38\u3070\u3057\u4f38\u3070\u3057\u306b\u3059\u308b\u3088\u3046\u306a\u6c17\u3082\u3057\u3066\u3044\u307e\u3059\u3002\u3002\uff09<\/p>\n","protected":false},"excerpt":{"rendered":"<p>\u4eca\u65e5\u306f\u5730\u9707\u4fdd\u967a\u306e\u304a\u8a71\u3002\u6211\u304c\u5bb6\u306f\u30ab\u30ea\u30d5\u30a9\u30eb\u30cb\u30a2\u306b\u4f4f\u3093\u3067\u3044\u307e\u3059\u306e\u3067\u3001\u5730\u9707\u306f\u300c\u3059\u3050\u305d\u3053\u306b\u3042\u308b\u5371\u967a\u300d\u3067\u3059\u3002\u3067\u3082\u5b9f\u969b\u3001\u30a2\u30e1\u30ea\u30ab\u306e\u3069\u306e\u5dde\u3067\u3082\u5730\u9707\u306f\u3042\u308a\u3048\u308b\u3093\u3067\u3059\u306d\u3002\u30aa\u30af\u30e9\u30db\u30de\u3084\u30d0\u30fc\u30b8\u30cb\u30a2\u3001\u30b3\u30ed\u30e9\u30c9\u3067\u3082\u5730\u9707\u304c\u3042\u308a\u307e\u3057\u305f\u3002\u6628\u590f\u306b\u5bb6\u3092\u8cb7\u3063\u305f\u306e\u3067\u3001\u305d\u308d\u305d\u308d\u307b\u304a\u3063\u3066\u7f6e\u3044\u305f\u5730\u9707\u4fdd\u967a\u306e\u554f\u984c\u3001\u4eca\u65e5\u306f\u771f\u5263\u306b\u8003\u3048\u3066\u307f\u305f\u3044\u3068\u601d\u3044\u307e\u3059\u3002<\/p>\n","protected":false},"author":1,"featured_media":2959,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_lmt_disableupdate":"","_lmt_disable":"","_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"jetpack_post_was_ever_published":false,"_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"_jetpack_memberships_contains_paid_content":false,"footnotes":"","jetpack_publicize_message":"","jetpack_publicize_feature_enabled":true,"jetpack_social_post_already_shared":false,"jetpack_social_options":{"image_generator_settings":{"template":"highway","enabled":false},"version":2}},"categories":[7,32],"tags":[42],"class_list":["post-2957","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-hoken","category-housing-and-realestate","tag-choosing-insurance"],"jetpack_publicize_connections":[],"modified_by":"admin","jetpack_featured_media_url":"https:\/\/i0.wp.com\/smartandresponsible.com\/blog\/wp-content\/uploads\/2014\/02\/earthquake-insurance.gif?fit=712%2C600&ssl=1","jetpack_sharing_enabled":true,"jetpack_shortlink":"https:\/\/wp.me\/p1OwA5-LH","jetpack-related-posts":[],"_links":{"self":[{"href":"https:\/\/smartandresponsible.com\/blog\/wp-json\/wp\/v2\/posts\/2957","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/smartandresponsible.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/smartandresponsible.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/smartandresponsible.com\/blog\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"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