Which of the following typically has a higher deductible?

In a homeowners insurance policy, deductibles refer to the amount that the policyholder must pay out of pocket before the insurance coverage kicks in. Different types of damage often have varying deductible amounts based on the associated risk and the insurance provider's guidelines.

Earthquake damage, for instance, usually carries a higher deductible compared to more common perils like fire or wind because earthquake events can cause extensive damage and are less predictable. Insurers often set higher deductibles for earthquakes to manage risk and to encourage policyholders to be cautious.

Wind damage typically has a lower deductible because it is a common concern in many regions, especially along coastlines or tornado-prone areas, making it a more regularly accounted-for risk in homeowners policies. Water damage from plumbing issues generally falls under standard coverage that often comes with a more manageable deductible, reflecting the commonality of such incidents.

Fire damage is also featured prominently in homeowners policies, typically offering much lower deductibles because of its comprehensive coverage strategies, since fire incidents can be devastating and the risk is considered essential to cover.

Therefore, earthquake damage is recognized for typically having a higher deductible due to its unique risk characteristics, thus making it the correct answer.