Which type of insurance primarily focuses on coverage against natural disasters?

The focus of earthquake insurance is specifically on providing coverage for damages that result from earthquake events. Unlike broader policies, earthquake insurance is designed to protect property owners from the financial impact of seismic activities, which are often excluded from standard home insurance policies. This type of insurance attentively addresses the unique risks and potential for extensive damage posed by earthquakes, offering coverage for the structure of a home, personal property, and in some cases, additional living expenses incurred if the home becomes uninhabitable due to quake-related damage.

While homeowners insurance does cover certain types of natural disasters, it typically excludes earthquakes unless a rider or separate policy is purchased. Personal auto policy and marine insurance primarily cover vehicles and maritime activities, respectively, rather than focusing on natural disasters. Therefore, earthquake insurance stands out as the specialized option geared toward mitigating the risk and losses associated with earthquakes.