As with floods, earthquakes are not covered by your business, homeowners, or renters policy and must be purchased separately. The cost varies depending on:
How close you are to a fault
Construction of your building
Whether or not you have retrofitted your building to minimize earthquake damage
You must have a business, homeowners, or renters policy in order to purchase this insurance.
Earthquake insurance:
is purchased through the company that sold you your other policy
is not designed to cover all losses, but to put a roof over your head.
can provide coverage for temporary housing while your building is being repaired
does not cover any losses already covered by your business or homeowners insurance