What type of coverage is usually purchased as a separate policy to protect against earthquakes?

Earthquake Coverage is specifically designed to provide financial protection against damages resulting from earthquake events. Standard homeowners' insurance policies typically do not include coverage for earthquakes due to the unique nature and potential severity of the damage they can cause. Because of this, individuals living in areas prone to seismic activity usually need to purchase earthquake coverage as an additional policy or as a rider on their existing property insurance.

This separate policy is crucial, as it helps cover repair costs for structural damage to homes, as well as damages to personal property within the home caused by an earthquake. It can also include coverage for additional living expenses if the home becomes uninhabitable due to earthquake damage.

The other options do not provide the necessary protection against earthquakes. Flood insurance addresses damages from rising water and is necessary for those in flood-prone areas. Natural disaster coverage is a broad term but is not a specific policy type and typically does not focus solely on earthquakes. Property damage insurance can pertain to various risks covered under standard policies but does not specifically address the unique risks and damages associated with earthquakes. In this context, Earthquake Coverage remains the most appropriate choice for safeguarding against such events.