根據估計全球每年約發生50萬個地震，小地震在世界各地不斷地發生，雖然大地震發生頻率較低，但其易造成巨大經濟損失，而因我國位處於環太平洋地震帶，故在面對地震威脅下，如何落實風險管理顯得非常重要，1999年921大地震之發生，促使了我國政府建立住宅地震保險制度，並於2002年4月1日起正式實施。 雖然我國住宅地震保險投保率穩定成長，惟就危險分散機制、及承保與理賠方面，仍有改進空間，而本保險危險分散機制更攸關我國住宅地震保險能否穩定運作，故本文旨在探討現行住宅地震保險危險分散機制之相關規劃及實務運作，並分析國外住宅地震保險之長處，進而提出建全我國住宅地震保險危險分散機制之計畫方案，期使我國住宅地震保險危險分散機制更為完善，並滿足被保險人之實際需求，以達到住宅地震保險之政策性目標。 It is estimated that around 500,000 earthquakes occur each year, and minor earthquakes occur nearly constantly around the world. Larger earthquakes occur less frequently, but it is easy to cause economic damage. Taiwan is located in the Circum-Pacific seismic zone，In view of this threat, it is important how to implement earthquake risk management concepts. The 921 earthquake which occurred on 21 September, 1999. It prompted the government to set up Taiwan Residential Earthquake Insurance and Taiwan Residential Earthquake Insurance effective from April 1, 2002. Although the take-up rate of Residential Earthquake Insurance continues to grow steadily, there is still some room for improvement in terms of residential earthquake risk spreading, underwriting, and claims. Risk Spreading Mechanism for Taiwan Residential Earthquake Insurance affects the insurance system for earthquake. Thus this thesis is focused on relevant scheme and operations of the existing residential earthquake insurance. Moreover, it discuss the Residential Earthquake Insurance of other countries . Final, it builds three sound residential insurance schemes.