Earthquake In Yushu County, Qinghai, China

An earthquake may cause injury and loss of life, road and bridge damage, general property damage (which may or may not be covered by earthquake insurance), and collapse or destabilization (potentially leading to future collapse) of buildings. The aftermath may bring disease, lack of basic necessities, and higher insurance premiums.
Major earthquakes
One of the most devastating earthquakes in recorded history occurred on 23 January 1556 in the Shaanxi province, China, killing more than 830,000 people. Most of the population in the area at the time lived in yaodongs, artificial caves in loess cliffs, many of which collapsed during the catastrophe with great loss of life. The 1976 Tangshan earthquake, with death toll estimated to be between 240,000 to 655,000, is believed to be the largest earthquake of the 20th century by death toll.